Tradesman Insurance
Tradesman Insurance
Tradesman Insurance
Tradesman insurance is a general term applied to insurance policies specific for tradesmen. When going on site, most contractors require their sub-contractors and trades people to have their own cover. It can provide cover for your equipment and tools, and personal accident.
Who does tradesman insurance cover?
Examples of trades that seek tradesman insurance include:
- builders
- carpenters
- electricians
- plumbers
- painters and decorators
- stone masons
- plasterers
- craft stall owners
- domestic cleaners
- IT contractors
- consultants
What does tradesman insurance cover?
That depends on the needs of your business, and whether you will be working from home, onsite or working abroad, whether you are carrying out private work or public contracts, and whether you are quoting for work, providing advice or consulting. Often, tradesman insurance will include:
- public liability to cover a third party in the event they are injured or suffer a loss or damage to their property as a result of the work you do
- Employers liability insurance, if you employ labour
- “own plant” or “hired-in plant” cover to cover the equipment you own or hire, should it be damaged or stolen
- contract all risks insurance which protects your business with cover for your materials, labour and additional time to complete a job in the event of an insured peril,such as a fire or storm, that prevents you from completing your contract as planned.
There is a range of optional extra policies that can provide added protection for your business. The key to having strong cover is to arrange a policy that suits your business type and the work you do.
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Speed up your quotation by filling in our online tradesman insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
Meet the team
Benny Sheridan
Director
Miriam Sheridan
Director
Siobhan McPhillips
Insurance Broker
Your benefits…
Tradesman insurance from Sheridan Insurances comes with a variety of benefits such as:
Access to up to 20 difference insurance providers for the best insurance policy to meet your needs
Tailored and uniquely customised policies with the most suitable products from different insurance providers bundled together in one package
Considerable savings where a bundled business package costs less than the total cost of all the individual covers
Flexibility for all business sizes, small, medium and large
Our experienced and dedicated brokers who will research the market on your behalf
Our in-depth understanding of policy terms to help you navigate the small print
Significant reduction in financial risk to protect the viability of your business
Tradesman Insurance FAQs
We want to make sure you know exactly what tradesman insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.
Who is considered a tradesman?
A tradesman or tradesperson is a skilled worker that is qualified in their trade. Tradesman insurance typically covers people who are working from their workshop, on site or at their client’s premises. A tradesperson that owns or rents a business premises should speak to a broker about other insurance policies that may apply to them.
What type of optional, extra cover is available to protect my business?
There are several options you might consider adding to your insurance package depending on the needs of your business, such as:
- cover for tools should your business be the victim of theft, damage or loss
- efficacy cover, to protect your business should a product you sold or installed did not perform as it was expected to
- jury service, which covers your income in the event you are called for jury service while working on a contracted project
- personal accident, including personal injury and death, which gives business owners peace-of-mind they are financially covered in the event they fall sick and are unable to work
- Key man insurance and serious illness cover
Do I need additional tradesman cover for specialist work?
Talk to your Sheridan Insurances broker if you take on specialist projects that are not normally within the realms of the work you do. You may need to take out extra cover to ensure your business is protected.
Does tradesman insurance cover different locations?
Sometimes your insurance policy will not cover work in specific locations such as railways, airports or docks and harbours. It is important to check your policy terms and speak to a Sheridan Insurances broker if you are unsure. You may need specialist cover to ensure your business is protected in your place of work.
Can I work abroad with tradesman insurance?
Generally, tradesman insurance will be specific to working within Ireland. You should check your policy terms to determine whether there are any specific requirements should you be working abroad. Contact your Sheridan Insurances Broker if you have a query regarding working abroad.
Are there any depth and height restrictions with tradesman insurance?
Specialist cover can be arranged if your contract requires you to work outside the standard depth and height limits listed in your tradesman insurance policy terms. Most policies will stipulate a standard depth of five metres, and height of 15 metres above ground level, but you should check your policy terms to be sure.
Does tradesman insurance cover work with asbestos?
If you plan to work with asbestos, such as asbestos removal, you will require specific asbestos cover for your business, which is not included in standard policies
How to talk to us…
Request a Quote
Speed up your quotation by filling in our online tradesman insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
We are here to help…
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What our customers say...
Dermot B.
1685004982
We have worked with the Team at Sheridan Insurances for the past number of years on our Groups employees Health Insurance Scheme.Noeleen & her colleagues have provided a brilliant service giving clear and concise advice on a timely basis both to the company and on any employee queries that have arisen.
Mary S.
1684961878
Stephen helped me out with my first car insurance policy. He was great, made the process very easy, got me a good deal and was super friendly!
Margaret McKeon B.
1684852249
Fabulous service from Siobhan and the team in Sheridan Insurances. I am a client for a number of years and the services is always the same - perfect. A customer focused team.
Jean A.
1681485547
Excellent support, guidance and advice from the QFA, Audrey Jameson
Helen C.
1676397557
Thank you, Miriam, at Sheridan Insurance. Being able to discuss my home insurance needs as an Holistic Therapist was so stress free and easy with you. Your attention to detail and professional way made the whole process so smooth. Thank you for the human touch also, in taking the time to walk me through my policy. Highly recommending your services and supporting your local business in Navan. Co Meath. Thank you, Miriam Sheridan and Sheridan Insurance. Helen Colgan
Richard L.
1675978984
Lifesavers – With 110% professionalism at all times, we were provided with much needed support and guidance under difficult circumstances, with a very tight deadline. Without the team in Sheridan Insurance’s diligence and effort, going the extra mile on more than one occasion, we can honestly say we wouldn’t have the secure future we can now look forward to. We would recommend Sheridan Insuances to anyone looking for any type of insurance. Hands down the best decision you'll make! Thank you Audrey, Brian and Niall. Richard & Maria Leonard
Fergal S.
1666552611
An absolute pleasure to deal with, there is great communicators in Sheridan insurance, Brian Flanagan is an absolute gentleman. Will definitely be in contact with Sheridan insurance in the near future.
Pauline B.
1654720862
Highly recommend this insurance company they have gone above and beyond to help me get my business insurance and at a great price.The staff couldn't have been any more helpful to me.Give them a call you wont be disappointed
Andrew S.
1652453394
I used Sheridan Insurances in Cavan today and the service was absolutely first class. They were helpful, knowledgeable, professional and polite. I can highly recommend Sheridan Insurances.
Mary R.
1642105907
Well mannered and attended toWith ease and business done ..quickly
Eugene T.
1536342515
Great gang in sheridans insurance very easy to deal with.. especially Tommy Brady top man when you need one..
Pip A.
1506949475
My name is Philip Sheridan Sides.I was buying a van on done deal when I saw the advert for Sheridan insurance. The playright Richard Brinsley Sheridan was one of my ancestors and that is where the Sheridan in my full name as we had the same name. \I rang the office for a quote and was put through to broker Kelly Crowe. My first premium was high as I had been with Dolman Insurance who specialise in Camper vans and my no claims on the camper van was not able to transfer. This is something I believe the insurance industry should change as it is unfair on camper van drivers who like myself at the tie use the vehicle as their only method of transport.This was seven years ago. I am a very busy free lance photographer, musician and I run an NGO called Whistles for Refugees.The NGO collects unwanted tents and sleeping bags at festivals, thus saving them from landfill thus turning this landfill into aid for the most vulnerable people on this planet fleeing the horrors of ISIS. Whistles for Refugees also brings whistles out to refugee camps, music is healing and the Irish tin whistle gives the opportunity for the refugees to learn and play Irish music with an instrument that is light portable, inexpensive to buy and relatively easy to learn.Sheridan Insurance are currently researching for an underwriter to provide public liability insurance for our NGO so that our volunteers are covered should they get pricked by a needle while cleaning out tents at festivals or any other risk involved in our work.Broker Kelly Crowe has been amazing at her job. From the very beginning Kelly was able to organise a quote, with my line of work and my bad luck with vehicles I am often having to rent replacement cars to make sure I get to my commissions safely and punctually. I am never 5 mins from getting my insurance transferred to keep my rental costs lower. I needed a copy of my no claims bonus to get insured on my partners camper van and this was emailed to me within 5 mins of my request, even though this was with a different firm!I also run a tour business bringing clients on adventures with sea kayaking and photography. Once again my broker was able to produce a policy that was affordable and organised with minimal fuss in minimal time.For quality, price and especially (what I believe is the most important in business) service, Sheridan insurance is second to none.I could not recommend Sheridan Insurance and my broker Kelly Crowe enough.
JP M.
1495832320
We all hate shopping for insurance but the brokers at Sheridans do all the legwork for you and find the best deal and the cover you actually need - plus they are easy to deal with. You get assigned a broker and you can actually speak to a real human being. Great idea.
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