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Working with sheet metal is a hazardous business, and it’s essential to have the right Sheet Metal Workers Insurance cover in place. Today, we’re looking at the kinds of things you’ll want to include on your insurance policy if you’re a tradesman specialising in sheet metal work.
Accidents happen, so be prepared
Whether you work in your own workshop or on an external site, public liability insurance is a must. It’s there in case a member of the public takes you to court after becoming injured while they’re on your premises, or as a result of your on-site work. It also covers damage to their property. It’s designed to cover the cost of legal fees whatever the outcome of the case, as well as any compensation payouts if you’re found liable for the injury or damage. Find out more about it here.
As your work entails the risk of injury to yourself, it’s wise to take out personal accident cover in case you’re hurt and need to take time out to recover as a result of an accident at work. What’s more, if you employ staff, you’ll need to take out employers’ liability insurance in case an employee is injured while they’re working for you. It’s also worth considering professional indemnity insurance, which will cover you in the event that a customer suffers a loss as a result of negligence in your work or advice.
Insuring your livelihood
You wouldn’t have a business without your tools, so it’s important to ensure you take out tools insurance that will cover the whole cost of replacing them should they be lost, damaged or stolen. If you have your own workshop or office, you’ll need buildings and contents insurance that covers the kind of work you’ll be carrying out in it, as well as for the valuable metals and other materials you might be keeping in stock.
Van insurance is a must if you have a van for transporting tools and stock, and there’s specific tradesman van insurance designed to cover tools and goods in transit, as well as the vehicle itself. If you have more than one vehicle, van fleet insurance could save you money on the cost of insuring them individually, as well as giving you the convenience of a single Sheet Metal Workers Insurance renewal date.