Business Insurance

Commercial Insurance for NAPIT members

As a NAPIT member you will want to ensure you have a level of protection that not only meets your NAPIT membership requirements, but also provides you with the necessary cover for your specific work.

Whilst you could buy an off the shelf policy to cover the basics, it’s important to ask yourself whether you know what you are covered for? After all, the worst time to discover you are not properly insured is when you need to make a claim.

We’ve worked hard to understand the most common insurance needs faced by NAPIT contractors. Using this knowledge we have helped develop a comprehensive package insurance policy. This ensures that members have access to a package of covers that goes beyond the standard levels of protection.

Who’s it for?

Our package insurance policies are flexible and can be tailored to include various trades and their required cover limits. Covers range across a host of different areas which are required by the day-to-day activities of most contractors, including:

  • NAPIT Registered Installers.
  • Contractors wishing to meet the minimum requirements for NAPIT membership.

What's on offer

Public Liability

Protects you if you have acted negligently and caused injury to a member of the public or damage to their property. We provide up to £2 million cover as standard which meets NAPIT’s minimum requirements for membership. This limit can be increased if appropriate, please contact us for more information. In addition to this our insurance policy will also provide cover for damage to items being worked on which can be an exclusion under some insurance policies.

Professional Indemnity

Protects you for professional errors or omissions you make. This can include claims arising as a result of PAT testing, certification and design work and also any wrongful advice given to your client which causes them financial loss.

Financial Loss

An extension to your Public Liability protection this covers any monetary loss your customer may have suffered, due to work you have undertaken.


Protects you in the event a product or service you provide fails to work correctly.

Tools and Stock

Cover for accidental damage or theft of tools and stock that are locked and out of sight.

Legal Expenses

Cover for property, employment, tax and contractual disputes under £5,000, as well as bad client debts over £500.

Temporary Employers' Liability

Up to £10 million cover can be provided should you have any contractors working for you on a temporary basis. It's important to understand it is a legal requirement to have Employers' Liability if you have workers under your supervision or control.

Optional Covers

Personal Accident cover

Provides a weekly benefit, for up to 50 weeks, in the event of an injury that prevents you from working.

Employers’ Liability

Protects you in the event an employee takes legal action against you due to an injury or illness obtained at work.

Contract Works

Provides all risks cover for your materials on site as well as damage caused to your works in progress.

Hired in Plant

Protects your responsibility to the hirer for loss or damage to the plant whilst in your control.

Directors’ & Officers’

Protects you if you are found personally responsible for a wrongful act in your capacity as a director.

Find out more

Simply get in touch with our dedicated UK based team.