Artex tradesman insurance is designed to meet the insurance needs of self employed artex workers.
Artex, a textured decorative coating for ceilings and walls, has never really gone out of fashion despite its bad press and the difficulty with matching repair work. The product is still in demand for domestic and commercial premises as are skilled tradesmen.
As well as applying new Artex, skimming over old Artex-type plasters can be a big part of an Artexer's trade.
Artex attracted a lot of negative publicity due to the fact that white asbestos was added to the coating until it was banned in 1984. Despite the ban, some manufacturers appear to have continued using it until as recently as 1999.
After a lot of pressure from insurers, the Control of Asbestos Regulations 2006 were revised and now Artexers working with coatings containing asbestos no longer need to be licensed, so insurance is a lot easier to obtain.
General contractors can now carry out the work - previously you had to be licensed - but you must have recognised asbestos training to do it safely.
The Health and Safety Executive (HSE) advise that any asbestos containing materials should be left in place.
If you don't have training and you carry out Artex removal, you could void your insurance cover.
The Asbestos Removal Contractors Association (ARCA) represents asbestos removal contractors and associated asbestos businesses in the UK. They also provide training. You can download guidelines for working with asbestos-containing decorative coatings from their website.
Public Liability Insurance
Artexers Tradesman quotes typically offer £1 million, £2 million, £4 million, £5 million or £10 million (local government contracts) worth of public liability insurance cover for causing unintentional damage or injury to others. For example, you could inadvertently expose customers to deadly asbestos fibres, or damage a client's office by causing the ceiling to collapse.
You have a legal duty towards the public to protect them from injury or wrongful acts, either deliberate or as a result of negligence, and you can be held legally responsible for injury or damage to property.
Public liability insurance covers you against claims made against you by the general public and it is designed to meet legal liabilities such as paying damages for death, injury or damage to property, and for legal costs if you are at fault.
Without public liability insurance defending a claim can be difficult, expensive, worrisome and time consuming.
A valid policy in itself may also deter false claims against you.
PLI will not usually cover claims for negligent advice, a separate professional indemnity policy is required. Nor does it cover wilful acts of damage/harm.
Employers Liability Insurance
If you have an employee, even a casual labourer, then employers liability insurance is a legal requirement.
- Employers liability insurance is there to meet compensation costs and legal fees for employees who are injured or made ill at work.
- The legal minimum is currently £5 million.
- Ensure your policy covers all relevant business activities when you take it out.
Product Liability Insurance
Any product you supply must be "fit for purpose." If it isn't and someone suffers injury, illness, loss or damage as a result, then you could be held legally liable.
Average cost of artexer's cover depends on turnover, employees, training, prior claims, location, etc. so the best way to compare and find the cheapest, most relevant quote is to thoroughly research the market, or speak to a specialist broker.
Tradesman insurance is designed to group relevant cover to make the best insurance package to meet your needs.
An artexer's work is physically demanding, involves potentially dangerous materials and occasionally work at height so the package should be designed to recognise all of these risks.