PL insurance provides financial protection in the event that someone takes legal action against you for damage or injury. Your job will most likely mean working closely with the general public, and as your tools are your trade the risk or injuring someone or damaging property can be high, making PL insurance very important to your business.   

Whether staff are full or part time, permanent, temporary or voluntary, you are legally obliged to take out employers’ liability insurance, which protects your employees if they suffer an injury or loss as a result of your business.  

Your tools are your trade, without them you are unable to carry out your services which means you are going to lose money. Tools cover will cover the cost of replacing your tools in the event of theft.  

This type of cover can cover the cost of repairing or restarting work if it is damaged or destroyed whilst in progress.   

If you own machinery like mini diggers or cement mixers and they are stolen, your insurance will cover the cost of a replacement. 

If you are hiring machinery for a project and it gets stolen, you could still get charged by hire company for the item until it gets replaced. This insurance protects you from these costs by providing a replacement.   

It can cost a substantial sum to replace your tools if they are stolen and without them you will not be able to do your job. This extension will provide cover as long as your tools are locked up out of working hours and not kept in your van. 

This can be a valuable extension of cover if you do any design work yourself, for example, if you are doing a small extension or rewiring a property as it will cover you if you have a claim made against you for financial loss arising from the design work being defective in some way.