Gresham trial 2

Tradesperon
& Professional Select

Available online with flexible trading options:

A-rated capacity

+200 Acceptable trades

Up to 8 persons on cover

Optional Legal Expenses cover

Optional Overnight Tools cover

Cover available

High quality cover you can trust

For many brokers access to a flexible and high quality Tradesman and Professionals product is key to the running of their business. With over 200 acceptable trades, our product Tradesperson and Professional Select will allow you to provide your clients with the protection they deserve, whilst enable you control with a flexible commission structure.

Flexible & convenient trading

Our Tradesperson and Professional Select product offers you flexibility with your commission between 0% – 35% to give you more options for your clients.
We have policy wordings tailored to manual (Tradesperson) and non-manual (Professionals) businesses so that your client only has the relevant documents to their business.
You can select up to four trades on our system, offering you more scope for your clients.
If you are not already trading with us you can apply for a TOBA online by clicking here. Our team will review your application and be in touch within TIMEFRAME.

Standard cover available

Public liability £5m
Up to 8 persons on cover
Over 200 Acceptable trades for both Tradesperson & Professional
Property worked upon covered automatically (inner limits and increased excesses apply for certain trades)
Temporary employee cover up to 50 days in any one period of insurance when the Employers liability section is operative
Temporary (up to 180 days) manual work within the European Union by UK residents for Tradesmen and worldwide non-manual work.

Optional cover

Public liability £5m
Up to 8 persons on cover
Over 200 Acceptable trades for both Tradesperson & Professional
Property worked upon covered automatically (inner limits and increased excesses apply for certain trades)
Temporary employee cover up to 50 days in any one period of insurance when the Employers liability section is operative
Temporary (up to 180 days) manual work within the European Union by UK residents for Tradesmen and worldwide non-manual work.

Document Downloads

Resource hub

Appetite List
Accepted Trades List
Fact Sheet
Legal Expenses Cover
System Guide
Please note that our Summary of Cover and Policy Wording documents are available once you have logged into our online portal. You can do this at the top of this page. If you do not have a TOBA with us you can apply online here.

Need to speak to someone?

Get in touch

Andy Waring

Business Development Manager

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Alan Savage

Business Development Manager

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Amy Prentice

Underwriter

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Frequently Asked Questions

Is an online office insurance policy suitable liability protection for my business as a tour operator?

No – As a tour operator or travel agent you are exposed to a unique set of liability risks which are not generally covered by online or standard office insurance policies. Please seek specialist insurance advice on the suitability of your planned insurance arrangements, as the liability risk can be very costly.

I have a Tour Operator Liability policy. Does this cover for me for force majeure events?
Typically no. a Tour operator liability policy is generally intended to respond to claims made against you which arise out of the unintentionally negligent acts of you or your suppliers. You may still have an obligation to pay out refunds or compensation in a force majeure event, but this would typically fall under what is termed ‘ Travel Disruption Insurance’

How do I protect myself against the effects of one of my suppliers going bust?
This can only be protected against under a supplier failure or scheduled airline failure policy.

We transport passengers in our own company vehicles. Are we covered?
You have to make sure that your motor insurance or fleet policy covers you for this. In the same way if you operate marine craft, you would need to have a marine policy in force to pick up claims for any injury caused whilst in board a boat or in a vehicle owned or operated by you or your staff.

I have received charge backs as a result of a fraudulent credit card being used to pay for a flight. Can I claim under my liability insurance?
No – this would be viewed as a commercial risk outside of liability insurance

If my computer systems have been hacked, what insurance would I need to help me respond?
This would be a specialist Cyber & Privacy Insurance policy

Does the Tour Operator Liability policy cover claims made against me as Director personally?
No – the tour operator liability policy is designed to respond to claims made against the company. To provide legal defence costs cover in the event a claim is made against you personally