Introduction to Technical worker insurance
Technical worker insurance is specially designed for carpentry, electrician, plumber, bricklayer and other professional and technical personnel to protect them from accidents that occur inside and outside the construction site. This kind of insurance provides necessary protection for skilled workers, especially if they are found to be legally liable for personal injury or property damage caused to a third party.
Protection provided by technical worker insurance
- Public liability insurance: Covers the case of personal injury or property damage to a third party caused by work.
- Tool and equipment insurance: Protect the tools and equipment used in work from the risk of loss, damage or theft.
- Business interruption insurance: Protect lost income and ongoing expenses in the event of a shutdown due to a catastrophic event.
- Personal accident insurance: Provide medical expenses, disability compensation and life compensation for accidental injuries or accidental deaths that occur during work.
- Commercial property insurance: Protect commercial property such as offices, warehouses, equipment and inventory from losses such as fire, theft, natural disasters, etc.
- Commercial vehicle insurance: Protect commercial vehicles from traffic accidents, damage or theft.
Examples of insurance compensation for technical workers
- Flooding caused by accidents by plumbers, theft of woodworking tools, business interruption caused by fires in auto repair shops, injuries to roofers at work, vehicle accidents in gardening and landscape companies, etc.
Choose the right technical insurance
The specific coverage of technical worker insurance will vary depending on the nature of the work and the risks. It is recommended to read the insurance terms and conditions carefully when purchasing insurance to ensure that you understand your specific insurance coverage.
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