September 21, 2018

Choosing the right tradesman insurance

Tradesmen need to protect their livelihoods by taking out the right business insurance.
Tradesman insurance covers a range of risks and circumstances – so each tradesman has to consider everything that might go wrong on the job.

Insurance for tradesmen includes any builder, plumber, electrician, roofer or window fitter, who can construct a policy that suits their specialist requirements.

Cover starts with a core public and employer liability policy, with add-ons to look after other business needs like tools, materials and vehicles.


All tradesmen need public liability cover to take care of any legal expenses or compensation relating to incidents leading to the sickness or injury to clients and any visitors to the premises.

By law, any business must take out employer liability insurance that extends the same cover as public liability insurance to employees.

Liability insurance can also cover accidents and damage on-site.

Tradesmen with special risks, like roofers and plumbers working with heat should look at paying out for extra cover.

Read more about tradesman liability cover

Buildings insurance

Tradesman will often work from home, although larger firms will have a yard.

Standard home-insurance will not cover damage to property used for business, so tradesmen working from home should tell their insurer and upgrade to a business policy.

Read more about tradesman buildings insurance

Contents insurance

Contents covers stock, computers, business records, machinery and equipment tradesmen need to operate.

Like business buildings cover, standard home policies are not adequate to cover business goods stored at home.

Add-ons to standard contents insurance can include:

  • Tool cover – For the quick replacement after the loss or theft of vital day-to-day equipment

Read more about tradesman contents insurance


Tradesmen need specialist business motor-insurance, even if they only drive their own cars for work.

Typically, the policies will have special terms about what can be left in a vehicle overnight and who can drive.

Read more about tradesman motor insurance

The Cabbie’s Guide to Becoming a Driver in the UK

Becoming a taxi driver is no easy feat, but the good news is that there are very few restrictions that bar people from at least attempting to become a taxi driver. The first step is training, but the true test begins when the individual is actually a fully qualified driver as that’s when hackney carriage insurance and all the other types of cover begin to crop up.

Learning to Drive

The first step is learning to drive. If the individual doesn’t own a UK or an EU driving license then they can’t become a taxi driver or even drive at all on the roads of the UK. This is why the nearest driving school should be sought out for lessons. Once the license has been gained then it’s time to apply to become a taxi driver.

Most drivers will need to be 21 years old or over and will have needed to have held their license for at least 12 months. However, licensing boards around the country are usually open to the possibility of making an exception.


This is where the choice between hackney carriage insurance and private hire insurance comes in. If the individual joins a company then it won’t matter because the choice will be made for them. But when it comes to the driver creating their own company a decision has to be made. The carriage insurance is where passengers can be picked up from anywhere, whereas private hire insurance is where the cab must be called to a certain destination to pick somebody up. Each has its own pros and cons, so weigh these up before coming to a decision.

Know the Area

The only way to get to know the area is to actually drive around it. If the area is well-known prior to actually becoming a driver then this shouldn’t be an issue. However, if some practice is needed then the only way to get better is to drive. Alternatively, there are some aids that can be used to help out with this, like GPS systems and maps, but the most competent taxi drivers will know where they are going off by heart.

Drivers and owners can find competitive hackney carriage insurance at Redmetro

Adequate Cover with cheap public liability insurance

Public liability insurance is very important for any business in the service industry, and should be an integral part of any business. In these modern times, companies and businesses are being held responsible for injuries and damage to property and goods on their business premises.

Having public liability insurance will provide protective cover for all businesses, their clients, distributors, their neighbours, contractors, employees, suppliers, and other staff who work or whom deliver products to the businesses premises.

Public liability insurance doesn’t have to cost a small fortune. Cheap public liability insurance can be found that will still provide the adequate cover for your business’s insurance needs. Businesses who are more at risk for public liability claims are service providers like mechanics, construction workers, manufacturers and other providers who require staff to either work on their premises or on client’s premises.

With members of the public hardly hesitating to submit claims against negligent business or companies, the courts are having a field day clamping down on companies that don’t take the proper insurance responsibilities.

Even if you think that cheap public liability insurance is an unnecessary expense, then think of the fact that the cost of having to cover a claim made against you or your business, has the potential to completely bankrupt your company.

Public liability insurance can be combined with other insurance, such as professional indemnity insurance as part of a complete and comprehensive insurance policy for your company or business.

A reputable insurance broker who specialises in public liability insurance will correctly be able to advise you on what insurance you and your business need, what it will entail and what you are covered for entirely and whether you will need to add on additional insurance as well.

The bottom line is, at the end of the day, if your company is found to be guilty of negligence, and there is a claim laid against your company due to a direct cause of that negligence like injury or damage, your company could be facing having to close the doors of your business for good.

Get cheap public liability insurance at Specialistrisks

Taxis Insurance

Be careful when you take out a taxi insurance policy to make sure of what your excess is going to be and your protected no claim bonus. There are many companies out there that hurriedly sell you taxis insurance policies, without giving you a full explanation of how the benefits of protected ‘no claim’ works for you.

A protected no claim bonus in reality is just giving you insurance for your standard no claim bonus, and it is not transferable when it comes to renewal time for your cover. However, should your policy be a cheaper one than you have had up until now, do note that low cover has plenty of policy restriction attached. Query what the cover provides for you. For example, cover for your radio, or glass cover and further, the provision for a courtesy vehicle, should this be necessary.

Tips for reducing costs for taxi insurance

If you had no claims on a previous taxi insurance policy you could have a more substantial saving on your new policy, than someone who had claimed on theirs and either wanted to change insurers or just renew their policy.

Another saving is, if you restrict the number of drivers that you have for the taxi. Numerous taxi insurance policies will offer you a large discount if the taxi is restricted to having only one driver. The insurers take into account the driving experience of the driver as well. In short, the longer the driving experience, the cheaper the premium will be, and how long the drivers have had their local authority taxi badge for, further adds to the amount of discount offered.

Something else to remember when taking out taxis insurance is to take out a policy covering public liability. It is always far wiser to be safe and have cover, than when a problem arises, and too late you realise that you do need public liability insurance.

Furthermore, if you have a fleet of taxis, this too will enable you negotiating for good discounts and bonuses, and in this scenario, you will have to have employer’s insurance as well. This is legally compulsory.

Taxiprotection is a leading uk provider of taxis insurance

Differences Between Private & Public taxi Insurance

For taxi service businesses, ensuring that you have adequate cover for your fleet is one of the most important things to consider. Insurance one of the largest expenditures that taxi owners face, but the expense is there to ensure that you are not left out of pocket when accidents happen, and you are faced with damaged property or legal claims even if the accident is not your fault. Risks are always present, especially since taxis are usually on the road for long amounts of time each day, and this added to the commercial factor of picking up members of the public equates to high risk.
There are two major versions of taxi insurance; private hire insurance and public hire insurance. What are the differences between these two forms of insurance?

Private hire insurance

Also known as mini cab insurance, this insurance applies for taxis that only pick up and transport pre-booked customers, and are unable to pick up members of the public from off of the street. There is less risk present with private hire because the customer has rang from an identified location and the destination is known before hand, and this makes private hire insurance cheaper.

public hire insurance

Public hire taxis are allowed to pick up non-booked customers from the street as well as taking on booked customers, and they are also able to use private company taxi ranks for larger taxi fleets. Picking up non-identified customers involves a higher risk, especially when considering that many passengers are intoxicated after evenings out, and this makes public hire insurance more expensive. Specifically, the risks involved with public hire include non-payment and assault. Prices are similar between company public hire and independent black cab hire.
Both types of insurance will cover a similar group of risk factors relating to public liability, which protects you from legal claims through fault or no-fault where there is loss or injury caused.

Policy payment is highly flexible, and ranges from 3 monthly payments to yearly payments, and if you are willing to pay for a longer time range, then your insurance deposit will be cheaper.

Drivers and owners can get public hire insurance at taxiprotection

Salon owners – don’t forget your insurance

Owning or starting your own beauty or hairdressing salon can be an exciting time. It is a milestone in anyone’s life to start their own business and there are going to be many things to think about and take into account.

What many people forget to think about is getting the best salon insurance quote that we can. Yes, we know that we need insurance, but are the policies not all more or less the same, and would it make any difference if one just went ahead and picked the cheapest?

That is where so many people go wrong, salon insurance is a specific kind of insurance, and a detailed salon insurance quote will point that out to current and prospective salon owners immediately.

When you are dealing with the public, as they are your customers, and you are providing a personal service for them you are automatically taking a large amount of risks, without you really thinking about it immediately.

If any of the beauty or hairdressing services go wrong, the client has an allergic reaction to a product, or a staff member incorrectly applies a product to a client causing harm, you as a business owner had better have the best comprehensive salon insurance in place to protect you and your livelihood.

Even something small, like getting permanent hair colour on a client’s new blouse, seems like a small thing, until you discover that the blouse is a once off designer blouse that was tailor made for her in Paris, and costs more than the salon makes in 6 months.

When a customer engages their rights and puts forward a claim for the cost of the incredibly expensive item of clothing, the salon had better be prepared to be able to pay the client out; otherwise it could mean that the salon will be adversely affected, by having to cover the costs of the claim straight out of the till.

Speak to your broker about a tailor made salon insurance quote that will cater for all the salons needs and be able to protect them in the event that a claim is made against the salon.

Get a salon insurance quote from Specialistrisks

Landlords and property maintenance

While the housing market continues in its current slump, people experiencing problems with meeting the mortgage may consider renting out their home and moving themselves into rental or shared accommodation.

There are a number of considerations and becoming a landlord is a decision not to be made lightly. It is a commitment and one you need to be fully obligated to meeting.

One of the major considerations is your property and its condition. Obviously the better state it is in, the more likely it is that you will receive top rent for it. If it has been the family home for some time, it might not be as pristine as you’d like it to be so there may be a need for some primping before you let it out. Many landlords take the route of allowing tenants to decorate but you might not like the results. Not a good idea if you are hoping to move back in after a short tenancy.

A similar issue is property maintenance whilst it is being let. Having landlord property insurance will cover you for any tenant damage to the property but there are certain obligations that you as a landlord are responsible for about general maintenance of your rental properties. A landlord property insurance policy may actually exclude some of these items so it is important to check exactly what is covered.

As a landlord you are responsible for
• Structural repairs
• Maintenance of heating and hot water systems
• Repairs to baths, toilets, sinks and other sanitary ware
• The safety of any electrical and gas appliances you provide
• The provision of an Energy Performance Certificate

If your property is in good condition or you invest in some ‘tidying up’ before deciding to let, a sensible way to manage the landlord’s responsibilities is to engage a letting agent.

A letting agent takes away the need for you to be an attentive landlord, meaning you really just have to have a watching brief. This doesn’t mean abdicating your responsibilities to be a good landlord. Engage a good letting agent who will look after your interests, even perhaps to a greater degree than you would do if you managed the property yourself.

Protect your asset with landlord property insurance from landlordbuddy

Ensure Your 2012 Celebration Goes Without a Hitch with Event Insurance

Event planning is an exciting and rewarding, yet stressful job to do. Dealing with unreliable vendors, weather complications, unruly staff and never mind the every fussy and demanding client can make the most together event coordinators head spin. The responsibility is incredible and if one sits down and works it all out, it can be very overwhelming.

Even the best planning, the best staff, the best vendors, the best weather, the best clients and the most perfect execution record, will not stop things from going wrong at the last minute, or unexpectedly. In the unlikely event things do go wrong; the event coordinator can become entirely responsible for everything. In fact if there are any accidents, injuries, damages or even fires, legally the responsibility for covering all the costs and repairing all the damages lies solely with the event planners.

It is essential for all event organizers to have the proper Public Liability Insurance for Events, to cover them for any damages to property, accidents or injury to the public. Any negligence or any member of the public being injured during the event falls under the cover of public liability insurance and all the legal costs and damages will be included in the policy.

Street parties and carnivals will also need to have Public Liability Insurance for Events in place, with the Queen’s Jubilee around the corner, street parties and celebrations will be everywhere, but don’t get caught out as the organizer or host of one of the street parties during the jubilee, without public liability insurance, rather have the peace of mind that if anything does go wrong, it will all be taken care of.

What makes street parties so much fun, is the smaller space filled with huge amounts of people all in a very festive, party mood. The problem is for organizers is that exact combination is what can cause accidents and injuries, and one needs to know that all the bases have been covered and that the public are free to get out there and enjoy the party.

Be on top of the game with public liability insurance for events from Specialistrisks

Be Rewarded with Budget Taxi Insurance

Insurance is by some regarded as a necessary evil. It is something you do not want to pay for, and even think you may never need. Unfortunately, unexpected mishaps do occur, which may result in serious consequences. It is then that having insurance cover justifies that monthly premium.

With the cost of living continuously rising, the affordability factor of any item or service has become a primary consideration for most people. It follows therefore, that making decisions related to your insurance needs would be based on the foundation of researching the best quotes for budget taxi insurance.

An important factor of any insurance policy is the “no claims bonus” which if you have accumulated over a period of more than five years, could give you a saving of 60% to 70% on your premium. This is something worth striving to build on and instead of claiming for insignificant amounts related to damage repairs, pay for it directly as it could save you in the long term.

To obtain the best rates for any taxi related to budget taxi insurance, you should keep the named drivers on a policy to the absolute possible minimum. It is natural that the more coverage extended by the insurers, greater is their risk and higher is the premium. Another method of receiving a discounted premium is the option of paying a voluntary excess in respect of a claim. However, keep in mind that this would not eliminate your obligation of having to pay a compulsory excess as well. Again, consider the affordability factor in the event of a substantial claim!

Insurance policies are generally designed around specific application and occupations; therefore, if your insurance is related to you as a taxi driver, then you could need additional coverage. This could apply to usage of the vehicle in a personal capacity, or in connection with unrelated part-time work. It is not usual for a budget insurance to include added benefits, for example, windscreen damage or legal cover, which could significantly raise the cost of your premium. Accordingly, review your particular needs carefully, before making your decision.

Buy budget taxi insurance with full cover at Redmetro

Minicab Insurance — Special Types of Insurance Cover

If you are a cab driver, you are well aware that that you need to buy a minicab insurance policy if you want to operate legally. There are two main kinds of insurance policies which you can choose from. One is public hire insurance and the other is private hire insurance. The type you get is mainly dependent on the type of badge that you have chosen to apply for from the taxi licensing company. Where the public hire insurance policy is concerned, all cab drivers who drive a taxi must get one. Hackney carriages are also considered public hire vehicles and drivers of such must have public hire insurance as well. According to law in the United Kingdom, drivers of public hire vehicles must take out this particular insurance.

There are numerous insurance companies operating in the market that provide this specific type of insurance cover. While most have generally the same features, the price and additional extras will definitely vary. One thing that isn’t made mandatory by law but which every cab driver should ask for as part of the insurance policy is public liability. This is necessary because at any time you may face getting sued for negligence, whether it actually occurred or not, by a passenger. In such a case, you will be covered by your insurance policy. It is an especially good idea if you have a driving job that includes dealing with organisations such as educational institutes or operate some sort of health authority contracts.

The bottom line is that if you are going to be driving any sort of vehicle at all in the United Kingdom, then it is obligatory for you to obtain an insurance policy. This is to protect both the person driving any vehicle as well as to protect the person who is a passenger. Specialised insurance policies are available to suit all needs and preferences and minicab insurance is just one of the areas that are covered.

Compare insurance online to get the best deal ensuring you purchase the right kind of insurance and the right level of cover.

Quotes for minicab insurance can be obtained from Taxiprotection