Tradespeople and Homeworkers FAQs
This page lists answers to questions frequently asked by brokers using RSA's Tradespeople and Homeworkers product.
Business and business premises
The client operates from a business premises, are they eligible.
The TP&HW product is intended to cover tradespeople who work at third party locations and do not operate from their own business premises or to cover businesses that operate solely from their home address. If you do occupy a business premises away from your home address then our Shops, Offices or Business Combined product may be better suited to your customers' needs.
Can limited companies be insured?
Yes but only up to the maximum number of employees.
Height and depth of work
What is the maximum height at which work can be undertaken.
Our product will allow work up 15 metres. Note that this relates to the distance that is reliant upon ladders, cranes or similar from the ground, or from hoists, cables or similar suspended from the structure itself and also note that both policy and Employers' Liability eligibility may mean that certain trades with particular work at height concerns may not be acceptable.
What is the maximum depth at which work can be undertaken?
Our product will allow work up three metres in depth.
Types of work and multiple trades
The client carries out phase 3 electrical work, are they eligible.
Our product does not impose additional restrictions on this activity, but all contracts and activities must be otherwise acceptable to RSA.
The client carries out hot work away from their own premises, are they eligible?
Our product can provide a quotation for some forms of hot work away from clients' premises, provided that the Heat Application Requirements are adhered to.
The client carries out gas fitting work, are they eligible?
Our product does not impose additional restrictions on this activity but all contracts and activities must be otherwise acceptable to RSA.
The client carries out more than one trade, are they eligible?
Yes, our product can provide cover for up to seven trades, depending on the software house that is used. Each of those seven trades needs to be acceptable to RSA and you’ll just need to select which of them is the main trade.
The client carries out treatments for hair and beauty, are they eligible?
Yes, our product will cover most treatments, provided that they are not invasive or medical and are carried out either by qualified staff or under the supervision of qualified staff.
Hazardous work appetite
What sort of activities are excluded.
Our product will exclude the following, unless otherwise agreed:
- Demolition (unless it forms part of a contract undertaken for rebuilding, alteration maintenance or repair)
- Roofing of any description unless it forms no more than 20% of the monetary value of any contract undertaken
- Any work in or on airports, military bases, aircraft, watercraft, collieries, mines, gas, petrochemical and chemical works, railways, railway installations, power stations, oil refineries, fuel depots, quarries, offshore rigs or platforms
- The construction, alteration, maintenance and repair of bridges, viaducts, subways, chimney shafts, blast furnaces, steeples, tunnels, docks, piers or wharves, motorways or dams
- Piling, underpinning, shuttering, retrofit basements or formwork
- The use of explosives, tunnelling, quarrying, or laying of main sewers
- Work in or on or adjacent to rivers, lakes and tidal waters
- The handling, storage or transport of any hazardous substances such as gases, asbestos, radioactive substances, or toxic chemicals
- The discharge of any fumes, effluent, or anything of a noxious nature
What sort of activities can be insured?
Our product is designed for low to medium risk construction contracts, those doing non-manual or light manual work from home or professional services based from home. Hazardous activities will be excluded as well as specific additional restrictions for certain trades that are otherwise eligible. Our product is NOT designed for clubs, those operating primarily in the manufacturing, wholesale/retail, care or education sectors.
Optional and mandatory covers
What optional covers are available.
The following covers are available:
- Employers' Liability of £10,000,000, provided that the activities of the employees are acceptable to RSA
- Contract Works up to a Maximum Contract Price of £750,000, provided that the activities are deemed by RSA to be in the construction sector and the trade activities are acceptable
- Hired In Plant up to £75,000 maximum limit per item, provided that the activities are deemed by RSA to be in the construction sector and the trade activities are acceptable
- Own Plant up to £50,000 maximum limit per item and in total, provided that the activities are deemed by RSA to be in the construction sector and the trade activities are acceptable
- Tools up to £25,000 per person with a £1500 single article limit
- Business stock up to £10,000
- Business equipment up to £20,000
- Personal accident for permanent staff for employment-related accidents up to £35,000 for death and capital benefits, £500 per week for temporary total disablement and £200 per week for temporary partial disablement
What optional covers are not available?
The following covers are not available and will be removed from any quote request so that a quote can be considered for the remaining available covers:
- Business Interruption
- Business Travel
- Professional Indemnity
Are there mandatory covers?
Yes. We will only provide a quotation if the request includes Public Liability cover. Legal expenses cover is also included as standard.
How many people can be insured?
A maximum number of up to 15 persons can be covered. We can allow a maximum of 5 bona fide sub-contractors as long as the insured has been in business for over 2 years.
The client uses temporary employees, are they eligible?
Yes, our product will allow the use of persons temporarily employed, provided that the total number of days engaged does not exceed 50 days during any one Period of Insurance.
What cover is available for tools?
Our product can include Tools and Equipment cover on an All Risks basis with the following limitations:
- No cover to labour only sub-contractors or bona fide sub-contractors even if they are noted on the policy
- Not available for all trades
- Theft must be forcible and violent
- Theft from an unattended vehicle overnight is included as standard
IMAGES
COMMENTS
A summary of the main policy features and benefits, and any significant exclusions or limits. Tradespeople and Homeworkers Policy Wording (UKC04712G) - PDF - 460KB 1 December 2023.
Thank you for choosing RSA. About Your Policy Your Policy is made up of this Policy wording and the accompanying Schedule and Statement of Fact. These documents collectively form the contract of insurance and should be read collectively as one. This Policy is a legal contract between You the ‘Policyholder’ (also referred to as You/
Welcome to RSA. Thank you for choosing Us as Your insurer. About Your Insurance Policy Your insurance Policy is made up of this Policy wording, Your Statement of Fact, and the Schedule which shows the sums insured, Our Limits of Liability, the premium You will pay, and any other terms which apply to Your Policy.
About Your insurance Policy Your insurance Policy is made up of this Policy wording, Ys and the s which shows the sums insured, o Liability, the premium You will pay and any other terms which apply to Your Policy. You should read the s , s and the Policy wording together to tell You what is covered and what is not covered, how w
Policy Wording Changes This Notice applies to the RSA e-Traded Tradespeople and Homeworkers products only. This document now forms part of Your Policy, please read it carefully and retain it with Your Policy documents. The following changes have been made to Your cover: General Memorandum
2 Homeworkers Policy Summary HOMEWORKERS Policy Summary Your RSA Homeworkers Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select the cover you want from the following options: • Liabilities Insurance: – Employers’ Liability – Public Liability/Products Liability
2020, Policy wording, Professional and financial risks Professional Indemnity Insurance for Property Professionals Policy Summary - PDF - 90KB 2020, Summary wording, Professional and financial risks
2 Tradespeople Policy Summary TRADESPEOPLE Policy Summary Your RSA Tradespeople Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select the cover you want from the following options: • Liabilities Insurance: – Employers’ Liability – Public Liability/Products Liability
Our product will allow work up 15 metres. Note that this relates to the distance that is reliant upon ladders, cranes or similar from the ground, or from hoists, cables or similar suspended from the structure itself and also note that both policy and Employers' Liability eligibility may mean that certain trades with particular work at height concerns may not be acceptable.
risks that this Product may be suitable for but are outside of RSA's current strategy and risk appetite. • Policies for this Product are individually underwritten so indemnity limits, exclusions, and excesses that apply will depend upon the risk insured and will be stated in the Policy Quote and the Policy Schedule.