FAQS
Frequently Asked Questions
Find quick answers to the most common questions about our cover, pricing, and how we work.
Proud to introduce our clients to Kingsbridge Insurance for business cover
FAQ’s
Frequently Asked Questions
Are sole traders and contractors required to have insurance by law?
If you have employees, even if it is simply a spouse or partner occasionally helping out with admin, you may be required to have employers’ liability insurance cover.
Public liability insurance, professional indemnity insurance, directors’ & officers’ insurance and personal accident cover are not required by law – but are often required by a client within your contract. However, even if your contract does not require it, these covers are still an important way of reducing risks and claims.
Are subcontractors covered under Contractor Insurance?
This is dependent on the nature of the work and how the subcontractor has been employed.
If you do have any questions about insuring a subcontractor, our customer service team will be happy to help.
Does Contractor Insurance cover my employees?
Your employees are covered under your employers’ liability insurance, which you must legally have if you employ anyone.
What are the benefits of insuring through Skill Safe Ensure?
When you insure through Skill Safe Ensure, you become part of a safety-conscious community of tradespeople and contractors. Policyholders gain access to free online courses that provide industry-recognised certificates, helping improve site safety standards and potentially reducing renewal premiums over time. Every certificate achieved also qualifies you for membership in the Safe Systems of Work (SSOWA) Association, with membership levels ranging from Bronze to Diamond depending on the number of certificates earned. Members receive a welcome pack, SSOWA branding materials and a membership card, helping demonstrate a strong commitment to safety and professionalism to clients and contractors alike.
GUIDANCE
Training & Guidance to Keep Your Premiums Down
At Skill Safe Ensure, we focus on helping you reduce risk — not just react to it. By introducing you to Kingsbridge Insurance, you can access appropriate cover, while also benefiting from practical steps that may support better outcomes at renewal.
Completing recognised safety training can help improve on-site standards and reduce the likelihood of claims. We highlight relevant courses and guidance so you can keep your skills and certifications up to date — protecting your business, your clients, and supporting a stronger long-term insurance profile.
ENQUIRY
Quick Enquiry
Have a question or need a quick quote? Get in touch today and our team will guide you to the right cover for your business.