Our Tradesman & Building Contractor Insurance Products
We offer a wide range of tradesman & building contractor insurance policies, so we’ve got you covered no matter what you work on.
Why you need to be covered as a tradesman or building contractor
If you own or operate your own trade business across the Channel Islands, Islands can ensure you have the appropriate insurance for your business needs. It’s important that no matter the size of your trade business you have the necessary coverage that will protect you and your business from theft, damage, or accidents.
We understand that you spend a lot of time on site at your clients’ properties and that accidents out of your control can happen. If you have an accident, or your client makes a claim against you, then your Islands insurance policy can help protect you from an unfortunate financial burden. At Islands, our professional team are here to help give you the protection you need, so give us a call today and get coverage that protects your business needs.
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about your tradesman or building contractor insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
Do I have a No Claims Bonus?
A No Claims Bonus is a discount on your insurance for each year you don’t make a claim. The more consecutive claim-free years you have, the bigger the discount.
Do I have Family Legal Expenses cover?
Family Legal Expenses cover may be included in your home insurance or added as an optional extra.
If you’re unsure, call us to check your policy, visit https://www.islands.insure/contact-us/ to get in touch.
Do you sell standalone excess protection insurance?
No, excess protection insurance is not available through our insurers at this time.
How will a claim affect my policy?
Making a claim can affect your policy in a few ways:
- If you have a No Claims Bonus, you might lose some or all of your discount.
- Your premium (the cost of your insurance) could go up, this is called premium loading. Insurers may increase the price if they see you as a higher risk.
- Your excess (the amount you pay when claiming) could also change.
- The impact depends on your past claims and how much the claim costs.
Check your policy for details or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What is Public Liability cover?
Public Liability cover protects you if you are held responsible for injury to a person or damage to property as the owner or occupier of your home.
Example: If a roof tile falls from your home and injures a visitor, your home insurance may cover the claim.
