Tradesman Insurance

Here at Tradesmen Banter we’ve partnered with renowned business insurance provider Rhino Trade Insurance to offer our community the insurance you need at some of the best rates on the market.

We are proud to partner with Rhino, who believe in making insurance simple, providing you with the cover you need, and only the cover you need, at the lowest premiums possible.

Rhino covers a vast number of trades specialising in insurance for companies of all shapes and sizes, offering comprehensive policies directly to hard working tradespeople like you.

Business insurance is a necessity, and provides the peace of mind that if the worst happens whilst you are working, you are covered.

Why Choose Rhino Trade Insurance?

  • Rated 5 Stars by Clients
  • Low-Cost Premiums for Tradespeople
  • Online Orders within Minutes
  • Backed by A Rated Underwriters
  • UK Based Offices and Contact Centres
  • Get Instant Policy Documentation

Popular Policies for Tradespeople.

Popular Trades Covered!

Get covered today with Rhino Trade Insurance.

Frequently Asked Questions (FAQs)

Why do I need Business Insurance?

Business insurance exists to ensure that businesses are covered for the risks and dangers that can occur in whatever workplace environment applies to you. Tradespeople like you require business insurance to make sure that you are covered for almost any risk of the work you carry out, and the impact this has on others.

Insurance acts as a financial safety net that means that if the worst happens, you are covered up to a certain value, giving you peace of mind that you can work protected. 

Some business insurances are mandatory for certain trades, Public Liability Insurance being a common example of this, meaning that in many cases, you are required to have proof of liability cover to start work.

Tradesmen insurance varies depending on the work you carry out, but all business insurances share the same purpose, which is to cover you and your business.

Do I need Public Liability Insurance?

Public Liability Insurance is a highly common form of business insurance, often stipulated as a mandatory requirement to gain certain accreditations and land certain contracts. Public Liability Insurance will provide indemnity for your legal liability for injury or death to third parties and damage to third party property.

Essentially, the policy covers your business if a financial claim is made against you as a result of injury against any member of the public, or if your business is sued as a result of damage being made to their property as a result of you performing your work.

What is Employers Liability Insurance?

Employers Liability Insurance is one of the few forms of business insurance that can be a legal requirement for your business to operate compliantly. Employers Liability covers your liability if an employee or former employee makes a claim against your business for illness or injury caused as a result of their work.

The insurance is stipulated as a legal requirement for businesses that hire employees and can be required for subcontractors/temporary that don’t hold their own level of insurance, thus are not responsible for their own financial risk.

Do I need to cover my Tools?

Having the right cover in place for your tools can literally make the difference between being able to work and not being able to work. A tradesman’s tools and equipment are vital in getting the work done and earning an income, so having cover in place for if they get damaged or stolen can be a highly valuable investment.

Tools in Transit insurance is a perfect policy for a tradesperson who regularly carries their tools in their van, and often does not have time to remove their tools from their vehicle overnight.

Although tools insurance is not a legal requirement, with tool theft rife in the UK, the cover provides peace of mind that if the worst happens and your tools are stolen, then you won’t be left out of pocket.

What is legal expenses insurance?

As a self-employed tradesman or business owner, you may come up against a range of legal risks and disputes. Having legal expenses insurance in place arms the policyholder with access to legal assistance, a legal defence, and cover up to a certain value so you don’t need to worry about incurring expensive legal expenses in the event of a legal dispute.

Examples of common legal disputes for tradesmen covered by Legal Expenses Insurance are as follows:

  • Employment Disputes
  • Health & Safety Prosecutions
  • Criminal Prosecution Defence
  • Property Disputes
  • Data Protection
  • Personal Injury
  • Debt Recovery
  • Restrictive Covenants
  • Wrongful Arrest Defence

You will also be covered for any lost income because of being called for jury service.

Who are Rhino Trade Insurance?

Rhino Trade Insurance are a UK based trade service provider and insurance broker that offers low cost, high quality insurances to the self-employed community. Rhino provides straightforward insurance for self-employed tradesmen and aims to make the process of taking out business insurance simple and painless.

You can get a quote from Rhino within seconds and are not even required to leave your contact details like other companies require. If you need to purchase fast then you can do so online within a matter of minutes or alternatively, their UK based contact centre will be on hand to take you through your order, and answer any questions you have over the phone.You can reach Rhino on www.rhinotradeinsurance.com, by emailing info@rhinotradeinsurance.com or by calling them directly on 01162437904.