What Does The Policy Cover

Our Tradesman Liability Policy is designed to accommodate a wide list of trades and occupations catering for self-employed, sole traders, and firms employing up to six people, including yourself.

The straightforward qualification criteria are:

1. no insurer has ever declined to insure you, or refuse to renew or terminate your Employers, Public or Products Liability insurance.
2. you or your directors or partners have never been convicted of or charged with (but not yet tried for) a criminal offence, other than a motoring offence, except as provided for under the Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016.
3. you or your directors or partners have never been owners, principals or partners of any other firm involved in this or a similar business which has been declared bankrupt.
4. you have not suffered any losses or made any claims in the past three years for any of the perils or contingencies to which this insurance applies
5. the total amount paid to Bona-Fide Sub Contractors does not exceed 25% of your annual turnover, unless you have specifically advised us to the contrary.
6. where you are applying for Employer's Liability cover your payments to Labour Only Sub Contractors do not exceed €7,500 per year, unless you have specifically advised us to the contrary.
7. any hot work you undertake, is carried out in accordance with the condition 13 i set out on page: 12 of the policy (See Below).