Can My Public Liability Insurance Cover My Secondary or Additional Trade?

As a tradesperson, you know that you’re responsible for any damage or injury caused by your work. That’s why having public liability insurance is essential to protect yourself and your business from potential financial losses. But when it comes to secondary or additional trades, the question arises – does your public liability insurance cover these trades as well?

The answer depends on several factors such as the type of policy you have taken out, what kind of trade you do and how much coverage is included in the policy. In this article, we’ll explore whether Tradesman Saver’s public liability policies will cover a tradesperson for their secondary or additional trade.

Can I Have A Secondary Or Additional Trade With Public Liability Insurance?

Tradesman Saver’s public liability policies offer protection for primary trades, such as plumbing, electrician or roofing. These policies also provide coverage for secondary or additional trades that are related to the primary trade. So if you’re a plumber who specializes in installing central heating systems, then your policy should cover both your primary and secondary trades.

However, if you perform a completely different type of trade – such as carpentry or painting and decorating – then it’s likely that your policy won’t provide any coverage for those additional trades. In this case, you would need to purchase separate public liability insurance policies for each trade.

Do I Need Additional Coverage For My Secondary Or Additional Trade?

Even if your policy covers both your primary and secondary trades, you may still need additional coverage for your additional trade. This is because the amount of coverage included in the policy may not be enough to cover the full extent of your liability. In this case, you’ll need to make sure that you purchase additional coverage to ensure that you’re fully protected.

What type of public liability insurance is offered by Tradesman Saver?

Tradesman Saver offers a range of public liability insurance policies that are tailored to the needs of tradespeople. These policies provide protection for your primary trade, as well as any related secondary or additional trades. The coverage included in these policies can vary, so it’s important to make sure that you choose a policy that meets your needs.

Does my policy cover secondary or additional trades?

The coverage provided by Tradesman Saver’s public liability policies may vary, so it’s important to check the details of your policy before making any decisions. If you’re unsure whether your policy covers secondary or additional trades, then you should speak to an experienced insurance broker who can provide advice on the best option for you and your profession.

Is there a difference between primary and secondary trades in terms of the amount of coverage provided by the policy?

Yes, there is usually a difference between the amount of coverage provided for primary and secondary trades. Generally, the primary trade will have higher limits of coverage than a secondary or additional trade. This is because the primary trade involves more risk and potential liability than a secondary or additional trade would.

However, it’s worth noting that this will depend on the exact terms and conditions of your insurance policy. If you aren’t sure about the specifics of your public liability coverage, either read your insurance documents, or get in touch with Tradesman Saver’s support team today. We’ll be able to answer any questions you might have regarding your public liability insurance policy.

For Comprehensive Public Liability Insurance, Call Tradesman Saver’s Experienced Team Today

Tradesman Saver’s public liability insurance policies can provide coverage for both primary and related secondary or additional trades. However, it’s important to make sure that you have the right level of coverage in place to protect yourself from potential financial losses. If you’re not sure if your policy is sufficient, then it’s wise to speak to a qualified insurance broker who can advise you on the best course of action.

Overall, it’s essential that tradespeople take out public liability insurance to protect themselves and their businesses from potential financial losses. With Tradesman Saver’s policies, you can have the peace of mind that your primary and related secondary or additional trades are covered.

By taking the time to understand your policy and making sure that you have sufficient coverage in place, you can ensure that you’re protected from any unexpected losses.