The Cactus Cover contractors insurance & tradesmen insurance policy is recognised as being one of the leaders in the market.
Along with being very competitive, one of the reasons why contractors & tradesmen change to Cactus Cover is because our product is not a per capita policy! A per capita policy is based on how many employees you have and all per capita policies are limited to a maximum number of employees (usually between 4–8). The last thing you need half way through your policy term is your employers liability insurance & public liability insurance being cancelled because you have too many employees!
Our policy is designed for small, medium and large contractors & tradesmen and is underwritten on a wage roll basis. The policy can also be extended to include contingency cover for Bona-Fide Sub Contractors. There is no limit on the amount of employees you are allowed and we cater for contractors with wage rolls that exceed £3,000,000.
Here are some of the benefits of our Contractors & Tradesmen policy:-
- Competitive premiums
- Employers Liability £10,000,000
- Public & Products liability up to £5,000,000
- No limit on the number of employees
- Comprehensive policy including Efficacy and Wrongful Advice
- Wide range of occupations accepted
- Up to 20% discount available for voluntary excesses
- No claims bonus of up to 15% available