Compare Self Employed Van Driver Insurance

There are several types of policies you may want to consider, depending on your business needs. 

1). Public Liability Insurance

Public liability insurance protects you against claims from third parties who may be injured or whose property is damaged in the course of your work. Public liability insurance generally covers the following: 

• Accidents when working on the premises, on a commercial or residential building site.
• Accidents when building new structures, altering, converting, or extending an existing building.
• Accidents that happen due to your work, faulty materials, equipment, or parts

With public liability insurance, you’ll have peace of mind that your business is protected even when things go wrong. You’ll have the financial protection to ensure your builder merchant business can keep running in spite of claims and legal fees. 

2). Employer’s Liability Insurance

Employer’s liability insurance covers you when an employee becomes sick, is injured, or dies while on the job. This type of coverage generally protects you against: 

• Employee illness and injury
• Medical bills and legal fees

If you have one or more employees, then you’re legally required to have employer’s liability insurance coverage. 

3). Tools Insurance

What would happen if your tools were lost, damaged, or stolen? Your tools are the heart of your business and replacing them would be a large expense for the business. This type of coverage will protect your tools from: 

• Loss
• Damage
• Theft

However, you may need extra coverage for tools left in a van, hired plant, machinery, stock, or contents. 

4). Stock Insurance

Stock insurance covers the materials your business is responsible for, such as bricks. This type of coverage will protect materials against: 

• Loss
• Damage
• Theft 

5). Professional Indemnity Insurance

Professional indemnity insurance protects you against a client who loses money due to your advice, designs, or services. This type of policy protects you against the legal costs involved in these situations. 

We understand that it’s a challenge to take time and search for the right insurance provider. That’s why we built this site—to make the process easier and faster. What’s more, when you use our insurance comparison tool, you’ll receive quotes from providers within a few moments! 

Once you’ve received the results, you can take your time to review each policy, making the process faster and smoother than searching on the Internet.

If you have questions about how to use our site or about specific types of builder’s merchants’ policies, reach out and contact us today! We’re looking forward to talking with you!

Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.

If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.

If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.

Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.

In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.

The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.