Optima Trade Plus

Optima Trade Plus offers the essential cover needed for the tradesman, professionals and homeworker. 

Optima Trade Plus is available to individuals working on a self-employed basis, partnerships and limited companies with a maximum of eight persons working in the business.  There are options to extend the cover to include tools and business equipment, stock, contents, business interruption and personal accident. Contracting trades can also insure the contract works including own and hired in plant.

For public liability, which is a mandatory cover for this policy, you can choose a limit of indemnity of up to £5 million for most trades. The cover includes the valuable and important addition of tax and property protection.

Employers liability cover can also be included where needed, with a limit of £10 million, together with employment and prosecution protection insurance.

Other optional covers available:

• All risks cover for tools and business equipment and goods in transit for a selected limit between £1,500 and £5,000. This section also provides cover for cost of alternative accommodation in the event of damage to the insured's main or sole premises by fire, explosion, storm or flood. The cover provides up to £500 per month for up to 12 months.

• All risks cover at specified premises for business contents (for sums insured up to £20,000), stock (up to £10,000).

• Loss of gross income* (for sums insured up to £150,000) or additional cost of working (up to £50,000)
  *gross income option is only available for professional trades

• Contract works and plant, including own plant and hired in plant, at contract sites. Contract works sums insured available up to £250,000, own plant up to £25,000 and hired in plant up to £50,000

• Personal accident for £10,000 capital benefits and £50 per week for temporary total disablement. Cover available on a 24 hour basis or occupational only
   

PLEASE NOTE: Terms and conditions may apply in relation to some of the benefits detailed above.  For more information please contact your insurance adviser.