Tradespeople Insurance

Damage to property and injuring people are just some of the risks you face whether you have employees or run your business as a sole trader.

Here at Sagars we have a team of knowledgeable insurance advisors experienced in dealing with the needs of small businesses. Our advisors are skilled at gathering information to assess the individual requirements of your business and are able to quickly access comprehensive policies at competitive rates from leading insurers.

Our advisors are able to explain terminology in jargon-free terms, including the insurance quirks that trip up even the most experienced business manager. For example, do you know:

•  How to set sums to be insured, value stock and calculate the replacement value of plant and machinery?
•  That Employers Liability covers potential legal costs but not necessarily the wages of an injured staff member?
•  That Business Interruption covers an insured peril, such as fire or flood, but not bad debts, as many people believe?
•  What the exclusions and warranties are in your current insurance policy and that they vary from trade to trade?

We will always recommend you take out public liability cover, as a public liability claim can be one of the most expensive pay outs you may have to face.

You may also find that you will need appropriate levels of insurance cover when undertaking contract work and you should be aware that failing to maintain and update that cover could have serious repercussions.

Personalised Insurance Policies for Tradespeople

Our experienced team can advise on all these issues and help you purchase the most appropriate cover at the right levels and price ensuring you are able to safeguard your business and its assets.