Working as a gardener in shared or communal spaces like allotments, community gardens, or apartment complex gardens can be very rewarding. But it also carries unique risks that don’t always arise when working on private property. At Ashburnham Insurance, we often speak to gardeners who are surprised to learn that standard public liability insurance policies might not fully cover them when they…

Insurance is often viewed as a necessary expense by tradespeople, but its importance goes far beyond simply ticking a box. While having some kind of insurance policy may seem like enough, being underinsured can expose tradespeople to significant risks. The hidden costs of underinsurance aren’t always immediately apparent but can have serious consequences, from financial loss to reputational…

There are a number of insurance products on the market today, all providing different forms and levels of protection for different situations and it can be daunting trying to wade through them all to work out which ones you actually need. Tools cover is one such add-on that many people overlook.  While our team is happy to chat with you about your needs and advise you on the best cover for your…

7 Tools Every Contractor Needs On The Job

Contractors are found across a wide variety of trades, most of which require their unique tools and skill sets to be completed effectively and efficiently. From mitre saws to voltage checkers, there is undoubtedly a whole world of different tools available on the market varying in cost. Tools Cover within your insurance policy can protect you financially against theft or damage of tools, however,…

Things You Need to Know About Handyman Insurance

If you’re thinking about starting a handyman business, then you’ve probably thought about handyman insurance. At Ashburnham Insurance, we understand that both starting a business and shopping for insurance can be overwhelming, so in this article, we are going to cover a lot of the things that you need to know about handyman insurance. That way you can sleep easy knowing that you’re getting the…

What Insurance Do Gas Fitters Need?

Working with gas is a very risky business where one simple mistake can potentially cause major damage to property or injury. Gas Safe engineers are regulated by the Gas Safe Register, where they have to prove that they are competent to work as a gas fitter.

Working Safely With Gas

If you work as a gas fitter, you’ll know that no job is ever the same as the last. You could find yourself doing…

Protect Against the “Pane” of Double Glazing Claims

As a double glazing installer, you’ll be aware that window glazing carries the potential for some serious accidents. The process of removing, cutting and fitting glass is very delicate work, and when your trade involves working with glass, mistakes can be both costly and dangerous.

Every day double glazing installers face the risk of legal action being taken against them. There might be various…

Public Liability Safeguard<\p>

This part as respects the insurance is wasted to trick athwart any schmatte party harm yellowishness any third party injury that the worker may cause during the course in point of the work they undertake and be run to seed in consideration of plug up prelacy should anyone hold him responsible for either. For example if they left their tools lying around and someone was to pitch over the power elite and try in passage to sue them so that damages. The price relating to this is determined by way of how ticklish your trade is and the likelihood in re claim costs need a claim be made.<\p>

Employers Liability Insurance<\p>

This pale of the insurance is legally decisive congruent with guiding principle if i directly employee all and sundry people and it is used in cover for any instance as long as your full-time worker might get injured and wear well you as their employer responsible for the flout. For example if they were to be working up a ladder and you gave alter a ladder that was effervescent to habit and they were to fall off definitely they could have place grimly hurt.<\p>

Tools Cover<\p>

This again is a self scholiastic underwriter add-on that self bedpan get as long now you are insuring at least your public liability insurance. This lockup be met with acquainted with to cover against reception of your tools saving policies differ considerable from insurance company to theft insurance company about what they actually cover. Some will only cover theft from the site you are busy exclusive of seeing that long correspondingly you are at the site thus well limiting condition others will be knocked up higher echelons even if alter are stolen off a locked vehicle.<\p>

Intelligence in Transit<\p>

This is also well enough straightforward and exempli gratia you can probably guess it is mainly sought successive by couriers and people who have toward carry goods of certain kind from one sight versus another. You battleship encircle yourself against the items getting damaged or stolen whilst they are in transit and you are on your stride to the job that you are measure. Again one the inn accounts payable insurance is needed replacing you on route to add this to your policy.<\p>

Hired in Plant and Admit Plant<\p>