• Mobile Beauticians
• Beauticians working from a Salon
• Option to include treatment risks
• Compare instant online quotes from multiple insurers

Three possible beauticians insurance options are available depending on whether you work from a business premises or are a mobile beautician, or have treatment facilities such as a Metro Spa.

What can Active Insurance offer on their beauticians insurance product?

All of our beauticians insurance products include:

• Beauticians Public and Products Liability
• Treatment Risks extension for Beauticians
• Ability to cover stock in trade and business equipment
• Commercial Legal Expenses – option for mobile customers and standard cover for clients with business premises
• Employers Liability option
• Monthly instalment option for payments

Thatchers public liability insurance limits available of £1 million, £2 million and £5 million.

Homes with thatched roofs are prone to many risks such as fire and water and as such the roof has to be looked at by a professional Thatcher usually every five years. Any recommendations by the Thatcher will need to be completed usually within 28 days.

Many thatched roof homes may seem fine to an untrained eye but a professional thatching contractor can easily spot a ridge that may need replacing or repairs to existing slopes.

At Active, we specialise in business insurance solutions for sole trader Thatcher and for larger firms employing many Thatchers.

The art of thatching is performed by extremely skilled professionals where materials such as straw and water reed are used to line the roof. Most thatched homes are usually period properties that are either grade I or Grade II listed. The main risk to thatched roof home is fire, the property owner has to take great care to ensure that the property is professionaly maintained and that all fire hazards are identified and appropriate risk measures are in place.

For tradesmen such as builders and window cleaners is necessary to have some form of public liability insurance cover, especially since premiums for a £1m public liability start from only £60.00 per year for sole traders. In some trades this is even lower.

Window cleaners insurance is essential for any type of window cleaning company from a sole trader to window cleaning companies using harness and rope access. A simple liability claim could potentially cripple your window cleaning business but with a window cleaners insurance policy you business will be protected.

At Active, we provide a complete range of window cleaning insurance solutions including public liability, employers liability and window cleaners van insurance. For larger firms we can offer a complete business insurance solution covering the office including work away liability.

Our online window cleaners insurance quote system has been designed to compare quotes in minutes with multiple insurers for the smaller window cleaning firms that are perhaps either sole traders or with up to 10 employees. For larger firms call our commercial team on 0844 477 9805 so that one of our experienced advisor can give obtain a tailored quotation for your window cleaning business from our panel of insurance companies.

The window cleaner insurance product is designed to provide the best level of protection both for you and your employees. Many additional optional products can be added to the policy for an additional premium, such as;

• Tradesman tools cover
• Commercial Legal Expenses
• Personal Accident Cover
• Temporary Employee Cover

Simple online public liability insurance solutions from Active, Quote, Compare, Buy and Print Document.

We, at Active provide tailor made business insurance solutions for carpenters and joiners. For sole traders they have the option of taking a simple carpenters public liability insurance cover and for larger operators, Employers liability insurance cover can also be included.

Cover can easily be compared instantly only and can also be tailored by the individual business to suit their exact needs such as the level of public liability limits can easily be increased from £1 million to £2 million or even £5 million.

Any carpenter and joiner that are professionals and want to protect their business from claims such as theft of tools, personal injury claims and third party property damage should consider some form of carpenters insurance. Even one person self-employed sole traders need public liability insurance cover. Carpenters that employ people also need by law employers liability insurance cover as well.

The cost of carpenters insurance is usually very minimal compare to the daily costs faced by the business such as tools, fuel etc. Also many insurance companies also provide policies that can be paid on a monthly direct debit basis.

One of the most important factors you need to take into consideration when you are a Carpenter is getting proper business insurance. It doesn’t matter if you are working on your own as a self-employed Carpenter or run a larger business employing people, you will need Carpenters Insurance.

The main component of a carpenters and joiners insurance cover is the public liability section. This provides protection for the carpenter in the event of claim against him from customer that has suffered injury or property damage as a direct result of the carpenters business.

Similar to the public liability cover, the Employers liability policy will provide protection for the carpenters business from employees that lodge a claim against the employer due to injuries sustained whilst in their employ.

Many additional optional covers are available as part of the carpenters and joiners insurance policy such as carpenters legal expenses policy, tools cover and personal accident cover. If your business has premises these can also be included as part of a commercial combined policy.

Anyone thinking of starting or is already running a painting and decorating business should seriously consider some form of business insurance policy. The most common form of painters and decorators insurance is the public liability cover. This type of policy will protect the tradesman from claims made against them due to third party property damage or injury claims.

At Active, we provide an online comparison quotes for painters insurance where the cover can be tailored to include:

• Public Liability Insurance – with indemnity limits from £1 million to £5 million available.
• Employers Liability Insurance – with a standard indemnity limit of £10 million.
• Tools Cover –provides cover for Tools, Mobile Phones or Business Equipment with limits starting from £500 up to £2000.
• Contract Works, Own or Hired in Plant cover – with contracts cover available for limits up to £250,000, Own plant limits up to £20,000 and hire in plant limits up to £50,000.
• Personal Accident cover – is available in units. One unit of cover is £5,000 for Death and Permanent Total Disablement and £50 per week for Temporary Total Disablement.
• Commercial Legal Expenses – Up to £100,000 any one incident.

Painters and decorators insurance provide comprehensive cover for the professional tradesmen and offers protection against many risks they face in their day to day duties. Without public liability insurance your business could be crippled should a claim arise against you for property damage or worse for personal injury.

Simply click on the quote button to instantly compare public liability insurance quotes for Painters and Decorators from some of the best UK insurance companies that specialise in cover for tradesmen.

Comparing electrical contractors insurance quotes online is probably least thing on an electricians mind. Professional electrician is often on customer sites maintaining and fixing electrical faults of all kinds. An electricians insurance policy provides essential cover for electrical contractors should a client decide to sue due to property damage or personal injury caused as a result of the electricians business activities. Without having adequate public liability insurance cover an electrical contractors business is open to the risk of being closed if a large liability claim is made against the tradesman. 

You could be a single person self-employed electrician or a large electrical contractors firm employing many electricians involved in residential and commercial work including three phase work. The type of electrical contractors insurance policy you take out should reflect the type of work you carry out to fully protect your business from all types of risks. 

The most common types of electricians insurance covers include public liability, employers liability, tool cover and van insurance. In some circumstances professional indemnity insurance policy should be considered where advice is given. 

All different types of tradesmen perform skilled jobs and are usually experts in their individual fields. The same applies to electrical contractors who have gone through a series of training and courses to ensure that they are competent but even the most skilled of electricians can face risks that are beyond their control. This is another reason that professional advice should be sought through a specialist broker or insurance company that understands the risks faced by electrical contractors. For some electricians they may only require a simple public liability insurance policy but with others they may require a more comprehensive solution including legal cover, employers liability and office premises cover. 

Electrical contractors that have business insurance demonstrate to the customer that they are a responsible business and are professionals with a reputation. Excelling at your job is just one part in managing you business, you also have to be responsible for both the safety of you clients and to your employees. 

Instant online sole traders public liability insurance. Quote, Buy and Print Documents. Over 240 trades to choose from including builders, carpenters, carpet fitters, plumbers, gas fitters, heating engineers, tilers, painters, gardners, beauticians, nail technicians, etc.

Sole Traders Businesses are run by an Individual

A sole trader is an individual trading in his or her own name or under a suitable trading name. Sole traders are self-employed, for example as shopkeepers, electricians, hairdressers, consultants or advisors. Even though public liability insurance cover is not a legal requirement for sole traders to have, it is still very important for most sole traders to have some form liability cover. Most customers in the building and construction trade usually insist on seeing a copy of the public liability insurance certificate before they consider giving you a contract for the work.

The essential feature of this type of business is that the sole trader has full responsibility for the financial control of his or her own business and for meeting running costs such as marketing the business, stationary, tools and sole trader insurance etc and also capital requirements. The sole trader has the full responsibility for all the debts of the business.

Advantages to being a sole trader

• Freedom – The sole trader is his/her own boss and has complete control over decisions.
• Profit – The sole trader is entitled to all the profit made by the business.
• Simplicity – There is less form-filling than for a limited company. Bookkeeping is less complex. Employers Liability Insurance cover is not required as part of the sole traders insurance policy until they employ staff.
• Savings on fees – There aren’t any legal costs like you’d get with drawing up a partnership agreement or limited company documentation.

Disadvantages to being a sole trader

• Risk – There is no one else to share the responsibilities of running the business with.
• Time – Sole traders often need to work long hours to meet deadlines.
• Expertise – the sole trader may have limited skills in areas such as accounts and tax.
• Vulnerability – There’s no cover if the trader gets ill and cannot work.
• Unlimited liability – the sole trader is responsible for all the debts of the business.

Examples of Public Liability claims include: A guest at a wedding reception alleges that her heel caught in a gap in the dance floor causing her to trip and fall.  She sustained a severe fracture of the wrist and injured her shoulder.  The individual has not worked since the accident.  In another incident it is alleged that a child fell from the side of a stage and injured their eye when they fell onto a radiator valve that was missing its domed plastic cover. 
 
Risks such as these can be managed.  This will significantly reduce the possibility of a claim or prosecution.

Day to Day Risks
 
The most common accidents at clubs and similar venues are slips, trips and falls.  These can occur on dance floors, in toilets, on steps and stairs and outside the premises, for example in car parks. These types of accident usually result from simple causes that are easily controlled:

• Slips on the dance floor often result from spilt liquids.
• Wet floors in toilets.
• Potholes in the surface of car parks.
• Dangerous steps leading to/from the building.
• Poor lighting that does not reveal awkward steps.
• Defects in outdoor paths or the car park surface.

Other Activities
 
There will be circumstances where unusual activities take place and these need special consideration:

• Outdoor events: Undertake a risk assessment when planning the event.
• Fireworks Displays: Ideally these should be managed by an independent operator. If you plan to manage and discharge the fireworks yourself ensure you have a trained person. The appropriate guidance must be observed and in particular spectators need to be kept and a safe distance.
• BBQs: Make sure that these are protected so the risk of bystanders, especially children, being burned is eliminated.
• Bouncy Castles: If obtained/hired with an operator check that they have adequate liability insurance. If the club simply hires the device make sure that it is supervised at all times. Ensure that the supplier provides specific instructions and guidance.
• Letting of Premises: When hiring out function rooms and similar use a formal contract that defines who is responsible for what. It would be advisable to stipulate that those who hire function rooms must report any incidents or injuries to the club immediately, at the time of the event. The contract should clearly state if the hirer is expected to take out public liability insurance and/or require them to product evidence of suitable liability insurance.

Guarding your club against Claims/Managing the risk
 
The need for a risk assessment has been mentioned several times. A risk assessment is nothing more than a process of common sense. Before any activity is undertaken the possible risks should be identified e.g. the risk of injury and the action that needs to be taken should be identified and communicated to all necessary persons.

The following are examples of the management of risk in some common scenarios/situations.

• Spilt Drinks: Bar staff, especially glass collectors should be on the look out for spilt drinks. When a spillage is spotted they should arrange for it to be cleaned immediately. When the premises are crowded they should stand by the area to prevent anyone slipping before cleaning takes place.
• Outside Paths/Steps: These should be kept in good condition and inspected from time to time to detect any damage that may need repair. They may need to be cleared of ice/snow in bad weather or fallen leaves in the autumn. Consideration should be given to whether the exterior lighting is sufficient.
• Steps: Any steps within the building e.g. on access routes or in toilets should be inspected. There should be sufficient light to make the change in level obvious. Steps and stairs should ideally have non-slip coverings and floor coverings e.g. carpets must be free from tears or other damage or defects.
• Food Safety: If the club prepares or serves food then there are numerous requirements and legal regulations that must be complied with. These are designed to ensure that the food is served in a hygienic and safe manner.
• The actions of employees: You can be legally liable for injury or damage caused by your employees. This is called vicarious liability. As described above any action, or omission, by an employee could mean that you face a claim. Make sure that employees are trained, that they can recognise risks and know what action to take.

Real Life Scenarios

• Sports and Social Club: A guest attending a function went to the toilet and slipped/fell on an unmarked step just inside the door. There was no non-slip edging to the step nor any form of marking to highlight its location.
• Cricket Club: The club’s function room had been hired for a private party. One of the organisers was clearing up after the event and used a fire door to take a bin bag to a skip. As they left the building they slipped on a wet step injuring their hip.

Fire Safety

Fire safety is not just about protecting property. Wherever people gather for events it is important that a fire risk assessment is carried out. This will identify the risk of fire and help to determine what needs to be done to minimise the risk. This will some or all of the following: the appointment of fire marshals, the preparation of an evacuation plan, installation of extinguishers, installation of fire equipment or even changes in the building.

When an accident occurs

If a person suffers an accident it is prudent to take suitable steps to reduce the impact e.g. call the first aider.  Make a record of the incident and, if possible, record details of the injured person, such as name and address. Try to find out if the incident was witnessed by anyone – if so obtain their names. It may be useful to photograph the scene. 

However, do not admit liability or make comments such as “It is all our fault” or “… this is the xth time this has happened”.

If you do receive correspondence from the injured person or a solicitor acting on their behalf forward it to your broker immediately.

The Role of Insurance

Public liability insurance provides protection against claims from members or guests, covering the costs of defending such claims and paying any compensation that may be agreed or awarded by a court.  

There is no legal requirement to have public liability insurance. However without such insurance, one large claim could put you out of business. Accidents, claims and subsequent bad publicity can result in damage to your reputation and loss of customers, with long-term financial consequences for the club. Such losses are generally not covered by insurance. 

Key Action Steps

• Undertake risk assessments of your activities to minimise any risks arising from them.
• Ensure staff – paid, full-time and temporary are aware of the risks and the actions they must take to manage them.
• Ensure all accidents involving members and guests are recorded.

Active Insurance provide an online public liability insurance quote system that compares business insurance quotations from multiple UK insurance companies.

• Roofers liability insurance excluding heatwork.
• Roofing contractors cover including the use of heat.
• Cover for temporary employees.  
• Cover for sub-contractors.  
• Public liability insurance limits of £1m, £2m, £5m and £10m available
• Flat roof roofing policy for hot roofers with application of heat use.

The roofing contractors liability cover will protect the roofing contractor including their business in the event of a client lodges a claim for personal injury or property damage. A customer can only claim for damages or injury if this has been caused by as a direct result of the contractors or an employee of the roofing contractors negligence as part of the roofing contract.

For a quote on cold or hot roofing insurance please contact our commercial department on 0844 477 9805 or complete our online call back request form.

Builders Insurance Quote System

As a self-employed builder or a building contractor you job can expose you to many risks associated with third party property damage and injury claims. A claim against you or your business can have devastating effects on your business. As such a builders insurance policy for public liability is absolutely essential. Also is the option of insuring your tools or any plant that you may have or have hired-in. Some of the builders tools can cost hundreds if not thousands of pounds to replace should they get stolen. If your building firm employs staff, even on a temporary basis then by law you also need to have adequate employers liability insurance cover in place.

All builders that are self-employed should seriously consider a builders public liability insurance policy. A building contractor’s policy is usually known as tradesman insurance by the insurers. Without this protection your business could face serious financial problems should a third party claim arise against you.

A builders public liability insurance policy can easily be tailored to suit you specific requirements. If additional cover is required at a later stage then this can be included as and when required. This would obviously incur an additional premium to pay.

Liability Options for Builders;

• Public Liability Insurance – This will provide coverage from claims arising from third party property damage and bodily injury claims that have been caused by you or your firm. This type of cover is essential and all builders should have it even though it is not compulsory by law. Level of cover available is typically £1m, £2m, £5m and even up to £10m. The most common level taken up by builders is usually the £5m public liability.
• Employers Liability Insurance – If you or your building company employs any staff, temporary employees or casual labour then this cover is compulsory by law. The EL insurance will provide compensation to your Employee’s if they are injured or death occurs whilst they are carrying out their duties for you or your business. Every year thousands of accidents occur on building sites throughout the UK.
• Professional Indemnity Insurance – If you or your firm is giving advice to customers and as a result of this advice your client suffers from financial loss you could be held liable. The PI insurance will provide cover for these type of claims.

Public Liability Insurance for Building Contractors

Compare builders insurance with Active?

At Active, our online builders insurance quote system provides a comparison quote for all types of tradesman. Enter your details once into our system and within seconds over 8 top UK insurance company’s quotes are available for builders insurance.

The level of cover required on builders insurance can easily be tailored to your needs with many additional great options available such as legal expenses cover and personal accident cover.

Premium can be paid online in either a single payment or your can spread the cost of your insurance over 10 easy monthly payments. Your builders insurance documents are available to you to print immediately or if you prefer they can be saved on your computer.