Start with the work you actually do

Insurance needs change with your trade, contract size and responsibilities. We can help you review options for:

Cover areas to consider

Depending on your business and the insurer, options may include:

No policy automatically covers every activity or meets every contract requirement. We’ll discuss the terms, exclusions, limits and any conditions shown in the quotation and policy wording.

Explore the options

Choose the section that best matches your work, or speak to us if your business spans several areas.

Tradesman insurance

Working in customers’ homes, on building sites or at commercial premises can expose a tradesperson to claims and interruptions. We can discuss public liability and, where available and appropriate, options for tools, equipment, plant or contract works. Tell us your trade, the work you undertake, turnover, any employees and the kinds of sites you attend. We’ll use that information to explore relevant terms.

Useful details to have ready:

• Your trade and business structure
• Typical jobs and contract values
• Tools and equipment you rely on
• Any staff or subcontractors

Contractors and construction firms

Construction insurance can involve several parts. We can review your activities, project types, contract conditions, subcontracting arrangements and the plant or equipment used, then discuss what insurers may be able to offer. Options may include liability, contract works, hired-in plant, owned plant and tools, depending on your risk and insurer availability.

We can review:

• Contracts and project activities
• Workload and annual turnover
• Plant, tools and hired equipment
• Employees and subcontractors

Cleaning contractors insurance

Cleaning businesses may need to consider liability connected with work at clients’ premises, treatment risks, keys, property being worked on and equipment taken off site. The options available depend on the exact services you provide and insurer terms. Let us know whether you clean homes, offices or specialist sites, and whether you employ staff or handle clients’ keys or property.

Details that help us assess the risk:

• Cleaning services and locations
• Types of property and surfaces treated
• Staff, subcontractors and procedures
• Equipment and property in your care

Public liability insurance

Public liability insurance can help address certain claims for third-party injury or property damage arising from your business, subject to the policy wording. It may be relevant for businesses that work at customers’ premises, welcome visitors or carry out work in public places. We can discuss the limit requested by your clients or contracts and explore options with insurers. Available limits, exclusions and conditions vary.

Also consider:

• Products liability, if relevant
• Employer-related cover
• Contract-specific requirements
• Excess and policy exclusions

Local advice from Cirencester

Linx Insurance Solutions is based in Cirencester and works with tradespeople, contractors and businesses across Gloucestershire, including Cheltenham, Gloucester, Swindon and nearby towns. We can also help businesses elsewhere in the UK. Tell us about your work and the cover you have now. We’ll help you understand the available options and what to check before arranging or renewing a policy.