In message op.wfhymccmloxewg@duncan-tosh, at 20:48:02 on Wed, 6 Jun
2012, Duncan Wood remarked:
Tradesman Insurance doesn't normally include Professional Indemnity,
so I'm not quite sure where that herring was caught?

Try getting a quote for "as a contractor I mess up, please pay the
damages", and let me know what the premium is.

"Indemnity
The Company will indemnify the Insured
against all sums that the Insured shall
become legally liable to pay as damages and
costs and expenses of claimants in respect
of accidental
a) injury to any person
b) loss of or damage to material property
c) nuisance or trespass obstruction loss of
amenities or interference with any right of
way light air or water
d) wrongful arrest detention imprisonment or
eviction of any person or invasion of the
right of privacy
occurring within the Territorial Limits during
the period of insurance and happening in
connection with the Business."

Is what mine says. What else where you expecting it to cover.

Without you telling me what the policy is called, I don't know quite
what to expect. I filled in the Hiscox questionnaire, and have reported
the results in another response.

....Which contradicts the broker's (or whoever they are) intro page:

http://www.bytestart.co.uk/what-is-p...insurance.html

but is more consistent with Hiscock's own backgrounder:

http://www.hiscox.co.uk/business-ins...ity-insurance/
--
Roland Perry