As a tradesman or construction worker you will often be required to work in the customer's premises and hence it would make perfect sense to purchase public and products liability cover to safeguard yourself. All businesses are legally required to take out employer's liability cover if they employ staff including part-time, work experience workers, trainees or sub-contractors. Employer's liability cover is necessary even if you are the sole employee, director or proprietor of the firm.

The line of work of a tradesman or construction worker is fraught with risks at every point; hence it is important you make sure your business is covered in the instance of an unfortunate eventuality.

A tradesman and construction insurance can provide cover for instances such as -
-	Theft of your tools and hired equipment
-	Claims for mishaps such as flooding or damage due to faulty wiring.
-	Accidents involving new trainees.
-	Materials that were used in good faith turn out to be health hazards after many years.

Important aspects of a tradesman and construction insurance policy are -
Public and products liability
Employer's liability
Tools and equipment