OCCUPATIONAL PERSONAL ACCIDENT INSURANCE
As a tradesperson, you know the danger of injuring yourself on the job. When working with heavy machinery, electricity or on a construction site you’re at a higher risk than most to getting into an accident at work. But what happens when you’re unable to work and can’t provide for yourself financially? That’s where occupational accident insurance comes in.
for a simple price of
Rated 4.8 out of 5| reviewsWhat is occupational personal accident insurance?
Putting it simply, occupational personal accident insurance is a type of safety net for tradespeople, ensuring financial protection when they face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.
For example, let’s assume a painter and decorator suffers a severe back injury after a fall from a ladder. Thanks to their occupational personal accident insurance, they received weekly payments that covered lost income during the six-month recovery period. This meant that they could focus on recovery rather than worrying about his loss of income whilst they couldn’t work.
What does occupational personal accident cover?
Here at TradesmanInsure our occupational personal accident insurance covers:
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Total and permanent disability: Lump-sum payment if you’re permanently unable to work due to an injury.
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Temporary total disability: Weekly payments to cover loss of income while you recover from an injury that temporarily prevents you from working.
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Accidental death: Financial compensation to your beneficiaries if you die as a result of an accident at work.
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Loss of sight, speech or hearing: irrecoverable loss of sight, speech or hearing resulting from an injury at work
What does occupational personal accident not cover?
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Injuries/death that occurred not at work or on the way to or from work
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Suicide or self-injury
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A pre-existing condition Illness or disease resulting from carrying out your work
Why do tradesmen need occupational personal accident insurance?
Let’s face it, working as a tradesman is not without its risks. Whether you’re a carpenter, electrician, plumber, or builder, you’re constantly exposed to potential hazards. These could include falls from ladders, cuts from sharp tools, or even long-term injuries due to repetitive strain. Here are a few reasons why having occupational personal accident insurance is a smart move as a tradesperson:
- Financial security: In the event of an accident, this insurance can help cover loss of income
- Peace of mind: Knowing that you’re covered if something goes wrong can lower stress and allow you to focus on getting the job done.
As a self-employed tradesperson, you wouldn’t get sick pay from an employer if you were out of work due to an accident. If you’d struggle to make ends meet after an accident at work, it’s worth thinking about getting this insurance.
Occupational personal accident insurance frequently asked questions.
What trades need occupational personal accident insurance?
No matter how careful you are on the job, a freak accident can put you out of work for weeks. Here at Tradesman Insure we offer occupational personal accident insurance to a wide range of trades such as:
How much does occupational personal accident insurance cost for tradespeople
The cost of occupational personal accident depends on factors such as the type of trade, the level of coverage you need, and your claims history. Your policy price will depend on a variety of factors that are specific to your business. These are commonly:
Trade – If you work in a low-risk trades, for example carpentry or gardening, usually your premium will be lower than a plumber or builder as these are higher risk and seen as more dangerous.
Level of cover – If you choose a higher weekly payment and lump sum to receive after a workplace accident, then this will increase your policy premium. You can tailor this limit to suit your need so you will only pay for the cover you need.
What level of cover should I choose?
Have a think about your current income, savings and outgoings and see what level of cover you would need if you were suddenly unable to work and provide an income.
At TradesmanInsure, our occupational personal accident insurance policies offer cover of up to £100,000 as a lump sum for permanent total disablement or £500 per week for temporary total disablement. To find out how much you would pay, get an online quote now.
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How to get occupational personal accident insurance
To get a quote, fill out our quick and easy online form. Just answer a few questions about your trade and income needs to get a custom quote in no time.
With our flexible payment options, you can spread the cost of your insurance over 10 interest free monthly payments, or you can just pay it all at once.
Why choose tradesmaninsure?
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4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.
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25+ years’ experience of insuring tradesmen. So you can rely on us to provide the insurance you need.
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Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.
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24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.
Ready to protect your income?
Get specialist occupational personal accident insurance from £8.00/month*. Instant quote, immediate cover.
- Based on a handyman requiring basic occupational personal accident cover and meeting all underwriting criteria