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Yes, tradesman insurance can absolutely cover freelancers. In fact, certain aspects of tradesman insurance, such as personal accident cover and tool cover, are particularly beneficial for self-employed tradespeople.

As a freelancer, your tools are likely essential to your work, and tool cover ensures you're protected against theft, loss, or damage. Personal accident cover can also provide financial support if you’re injured and unable to work, helping you to maintain income during recovery. Additionally, public liability insurance can cover any damage to third-party property or injuries caused during your work, offering peace of mind while you operate independently.

For freelancers, having tradesman insurance tailored to your specific needs is crucial to ensure you’re covered for the risks you face. It helps safeguard your business, providing essential protection in case of accidents, damage, or theft, allowing you to focus on delivering quality work to your clients.

If you employ anyone, even as an apprentice or on a temporary basis, you need to have employers’ liability insurance. The main exception is if you only employ direct family members.

No other sort of cover is legally mandated, however, clients may request proof of cover, such as public liability or professional indemnity, before offering contracts. You may also need certain cover in order to join trade associations or professional organisations.

Tools and materials stored in a vehicle overnight are not always covered by default under most insurance policies. However, many providers offer the option to add overnight van cover to your policy for an additional cost.

If you choose to include this benefit, it’s important to ensure that your van is securely locked and parked in a safe, protected location, such as a private driveway or a well-lit area. By taking these precautions, you'll help minimise the risk of theft or damage to your tools and materials, and your insurance will provide the necessary protection should an incident occur.

Before purchasing this add-on, it’s advisable to review the policy's terms and conditions to ensure your coverage aligns with your needs, especially if your work involves storing valuable tools or materials in your vehicle overnight.

Whether you're covered while working abroad depends on the specifics of your insurance policy and the location where you'll be working. Many policies include coverage for working in Europe as standard, but if you're planning to work outside these areas, you may need to add international coverage to your plan for an additional fee.

It’s essential to carefully review your policy's terms and conditions (T&Cs) to understand the extent of coverage for overseas work. If you’re unsure about your policy's provisions, it’s always a good idea to speak directly with your insurer to confirm the coverage details and avoid any unexpected gaps in protection when working abroad.

In many cases, your insurance policy can cover claims arising from the actions of your employees, particularly under employers’ liability or public liability insurance. However, it's crucial to review your policy's terms and conditions (T&Cs) to ensure that you're fully protected.

Some policies may have exclusions or specific requirements regarding employee actions, so always double-check the coverage details. If you're unsure about the specifics, it's wise to consult with your insurance provider to clarify whether you're fully covered for any potential claims resulting from your employees' actions. This will help safeguard your business from unexpected liabilities.