National Guild of Master Craftsmen / Policy Benefits

· The limit of indemnity in respect of Public Liability is €6,500,000 any one event and unlimited in the period.

· The limit of indemnity in respect of Products liability is €6,500,000 any one period

· The limit of indemnity in respect of Employers Liability is €13,000,000 any one event.

· No Year end adjustments - With the standard range of Employers and Public liability policies Clients can not be certain of how much they will end up paying in any particular year, due to the requirement to submit a year end declaration of wages and turnover. If Wages or turnover has increased during the year they will be faced with additional premium charges at the end of the period of insurance. Not so with Trademaster. You can grow your business by 100% without having to face any year end additional charge.

· Automatic cover for temporary additional employees to a predetermined level.

· No excess in relation to injury to third parties or employee's and the excess applicable to third party property damage claims is only €300 each and every claim ( this figure increases to €1,000 for Building Contractors.

· No inner limits of indemnity in respect of burning or welding or the vibration, weakening, removal of support claims.

· Depth limit 4 metres as standard.

· Height limit 15 metres as standard.

· Cover for legal expenses in respect of employment disputes and Revenue Commissioner's investigations.

· Legal advice Helpline.

· Cover for loss of or for physical damage to physical property in your charge or control up to €100,000 any one occurrence (this cover would usually be excluded).

· Cover for financial loss (not accompanied by loss of or physical damage to physical property) in excess of €1,300 each claim and up to a limit of €150,000 any one period (this cover would usually be excluded).

· Directors under a contract of service with an insured company are not excluded under the Employers Liability section.

· Building Contractors have the option to increase the height limit to 25m if required.

· Option to increase Public Liability limit of indemnity to €10.m.

· Cover available for employee's tools in transit.

· Personal Accident cover for the principal/directors engaged in the business.

· A flexible payment plan enabling you to spread the payment of your insurance premium is available.

The above Benefits and Options are subject to the policy terms, conditions, limits and exclusions and a copy of same is available upon request.