Rated People in Business
Here at Rated People we recognise the importance and significance to you of ensuring peace of mind for your customers to maintain your high rating. That’s why we have partnered with One Insurance Solution, part of the Brightside Group, to provide insurance services for your business.
Whether you are a sole trader, partnership or limited company your insurance needs are often unique requiring a specific knowledge of your industry and the cover that you need.
They’ll do all the legwork for you, so no more calling insurer after insurer or completing lots of online quotes forms, going through the same questions over and over again and then waiting for them to call you back. Save your time and your money as One Insurance Solution have specialist tradesman schemes underwritten by leading insurers at highly competitive rates.
To get a quote and/or to arrange cover, please call or fill out the simple online enquiry form at https://www.ratedpeople.com/account/member-benefits/insurance and one of their advisors will get in touch.
General guidance from Rated People Insurance Services, powered by One insurance Solution:
Public Liability insurance
Although not compulsory, it is generally regarded as good practice to carry Public Liability cover – it may also be a contractual requirement. It protects you against accidental injury and property damage to third parties. Whilst you look to get everything right, an accident where you are held legally liable could lead to a claim of tens of thousands of pounds. An example of this could be you knock a nail into a hidden pipe causing damage or you leave your tools on a balcony and someone trips over them.
Employer’s Liability insurance
If you have someone working for you or is under your supervision, the law requires you to have Employers’ Liability insurance. You have a duty of care to them. Injuries at work can happen, sometimes with significant consequences. Fines can also reach £2,500 for each day you employ someone without the right cover. Your Employers’ Liability certificate needs to be displayed where your employees can see it (or easily accessible in an electronic format) and you should ensure you have it available if you are visited by HSE inspectors. An example of how a claim could arise is if an employee suffered a serious arm injury using a tool that they had not been trained to use or not been provided with the right protective equipment.
The law requires you to have at least third party liability cover for your Van. Whether it is the minimum cover or something more appropriate with Fully Comprehensive cover, a suitable policy can be provided for you. Additional options to help keep you on the road are: Breakdown, Legal Expenses and Key Cover.
What would you do if something happened to your tools?
Your tools are a significant business investment and without them you may well not be able to work. Did you know you can protect your tools against loss or damage and be safe in the knowledge that if the worst happens, your investment is protected.
Cover can be arranged for a number of other products to ensure your business is fully covered.
Some of One Insurance Solution’s most popular products for tradespeople include:
- Plant Cover (both Own and Hired in)
- Contract Works
- Business Interruption
- Business Car Insurance
- Professional Indemnity
- Commercial Property Insurance
- Fleet Insurance
Rated People Insurance is arranged and administered by One Insurance Solution which is a trading style of Brightside Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 302216). Registered in England and Wales No. 04137311. Registered Office: Brightside Park, Severn Bridge, Aust, Bristol BS35 4BL.
Rated People Limited is an Introducer Appointed Representative of Brightside Insurance Services Ltd.