Insurance for the Self Employed and Tradesmen

Many insurers provide a bespoke ‘package’ type policy for the self-employed or tradesmen, catering specifically for all their general insurance requirements.

Initially designed for self-employed one or two man firms of contractors, these policies have developed into accommodating almost all forms of small contracting firms (often up to 8 staff including owners).

Further, non-contractors are increasingly accommodated such as management consultants, self-employed contractors and designers, and other such professionals.

Non-contractors operating a business from home are best catered for by a working from home policy. The main insurances included are:

Property Damage & Theft (Buildings, Glass, Contents, Stock etc.)
Computers (separate wide cover, some insurers)
Business Interruption – generally on an Increased Cost of Working basis
Money on the premises, in safe, in transit
Employers’ Liability
Public Liability
Products Liability (if applicable)
Legal Expenses (some insurers)
Personal Accident (some insurers)

Rowlands & Hames have access to numerous insurers competing in this market.

Hotels

At Rowlands & Hames we specialise in Insurance for Hotels. We have a wide range of policies, so we are sure to have one that meets your Hotel needs and budget perfectly.

We have a team of experienced Hotel specialists, who fully understand the risks, and pressures, faced by Hotel owners. This means they have the knowledge, and facilities, to tailor a Hotel Insurance quote to your needs.

As we have such a wide range of Hotel Insurance products to choose from, you are sure to obtain the best cover, at the lowest premium, and as we only use secure UK based insurers, you get extra peace of mind too.

Quotations

Office insurance – what is it and what does it cover?

Many insurers provide a bespoke ‘package’ type policy for office insurance, catering specifically for all their general insurance requirements.

These office insurance policies do not extend to include any ‘professional indemnity‘ exposures – these would generally be arranged separately although some insurers can now extend to include PI in the one policy.

Any non-manual work-away from the office can also be accommodated, as can businesses that facilitate employees working from homes.

Rowlands & Hames have access to numerous insurers competing in this market, contact us for more details.

Cafes & Take Aways

Many insurers provide a bespoke ‘package’ type policy for Cafes & Take-away establishments, catering specifically for all their general insurance requirements.

Insurers consider the type of cafe and the forms of cooking involved i.e. ones with deep-fat frying ranges are thought to be more onerous than no deep fat frying etc., as are late-night opening establishments.

Any ‘delivery’ activities must be declared as this can generate additional risks health and safety wise – the motor aspects will also have to be considered.

Small Business Packages

Whilst many such policies can be purchased online today, these are often standard policies and cannot be arranged to suit your particular needs.

We have access to a wide range of providers’ and schemes’ products aimed specifically at typical small businesses such as:

Speak to our Commercial team to discuss your particular requirements or click on the links for more information on each product.

Hairdressers & Beauticians

Many insurers provide a bespoke ‘package’ type policy for hairdressers and beauticians, catering specifically for all their general insurance requirements.

Occupations accommodated range from the simple barbers (the least risk), full hairdressing salons, through to businesses offering various beauty treatments, plus of course any ‘mobile’ services.

A wide range of treatment risks can be accommodated – these are rated by treatment and the number of operatives permitted to provide the service. Many insurers are very selective as to acceptable treatments and it can be more appropriate to insure the treatments separately.

Care should also be taken where ‘chairs’ are rented to self-employed operatives. Care should always be taken to ensure such self-employed persons hold their own insurances so as to limit your exposure to ‘contingent’ only.

Public Houses

Many insurers provide a bespoke ‘package’ type policy for Public Houses and Bars, catering specifically for all their general insurance requirements.

Premiums reflect the business location, the type of bar/pub, city/town centre or not, food-led or wet only, types of entertainment, licensing hours, paid entrance or not, security and manned-security in place and of course claims experience.