tradesman insurance

Exclusions and limitations

For terms and conditions please refer to the policy document

These are some of the Exclusions that apply to the policy. There are also further provisions and general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases.

Section Exclusions

Public Liability

• Injury to any employee. See Policy document, Section 1 Exclusion 1.
• Loss or damage to property in your charge or control, goods supplied or installed or cost of rectifying faulty work. See Policy document, Section 1 Exclusion 7 & 8.
• Loss or damage due to pollution or contamination unless caused by a sudden and unintended incident. See Policy document, Section 1 Exclusion 4.
• Precautions need to be taken when using heat or carrying out excavation work. See Policy document, Section 1 Conditions 1 & 2.
• Injury caused directly or indirectly by asbestos. See Policy document, Section 1 Exclusion 13.
• Temporary employees unless shown on the Schedule. See Policy document, Section 1 Exclusion 12.

Employer's Liability

• Temporary employees unless shown on the Schedule. See Policy document, Section 2 Exclusion 3.
• The £10 million limit is reduced to £5 million in respect of acts of terrorism. See Policy document, Section 2 Limit of Indemnity b.

Tools

• Theft or theft damage of tools by you or any other partner, director, family member or anyone employed by you. See Policy document, Section 3 Exclusion 3a.
• Minimum security requirements apply See Policy document, Section 3 Exclusions 3b, c & d.
• Loss due to unexplained disappearance or inventory shortage. See Policy document, Section 3 Exclusion 7.
• Any consequential loss. See Policy document, Section 3 Exclusion 2.

Contract Works

• Property where you are relieved of responsibility under contract conditions. See Policy document, Section 4 Exclusion 1e.
• Computer equipment in excess of £2,500. See Policy document, Section 4 Exclusion 1k.
• Caused by pollution or contamination. See Policy document, Section 4 Exclusion 4d.
• Theft or theft damage of tools by you or any other partner, director, family member or anyone employed by you. See Policy document, Section 4 Exclusion 3a.
• Minimum security requirements apply. See Policy document, Section 4 Exclusion 3b, c & d.

Personal Accident

• Cover only available for those members between the ages of 16 and 65. See Policy Document Section 5 Definition of Member.

Policy Exclusions

Work involving specified hazardous locations or activities is excluded - see Policy Exclusion 6.

Excesses:

Excesses apply to certain types of claim.