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.
Renewing your policy
We will contact you prior to your renewal date with all the details of your policy cover for the coming year.
Payment can be made by monthly direct debit or an upfront annual payment.
Making changes to your policy
Click here to make a change or request.
You can cancel your policy at any time by contacting us.Existing Business Customers
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?
We do apply a No Claims Bonus to our home insurance policies. This is 1 year 15%, 2 years 20%, 3 years 25%. The amount of discount is noted on Home Insurance Statement of Facts. If you have any query about this please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.
Do I have Personal Legal Expenses cover?
If legal expenses cover is included on your policy it will be shown on your policy schedule. Alternatively please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.
Do you do Excess insurance?
We do not have any insurers available to us covering Excess insurance at this time
How will a claim affect my policy?
If you have a No Claim Bonus applying to your policy you will lose part or all of your discount. Your policy may also be subject to a loading depending if you have had claims before or if the value of the claim is very high
What is Public Liability cover?
This covers you and your family if a claim is made against you for causing damage to property belonging to a third party or a third party’s death, injury or illness. The limit of this cover being £5,000,000. Exclusions apply please see your policy wording for the full details of cover included. There is no additional charge for the standard level of cover and it cannot be excluded
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