Optima Trade and Professional

The essential, flexible cover for tradespeople and professionals

Ageas Commercial Guard – Office and Surgery_670x380

Optima Trade and Professional

Options that complement Public and Products Liability, ideal for people working away from home and/or operating from a business premises.  

Minimum premium (for certain trades) + IPT
£40 .00
Features and benefits
  • Up to 10 persons working in the business (up to 15 at renewal), and for manual trades we’ll allow another six clerical workers free of charge
  • Cover extension options include Employers’ Liability, Tools All Risks, Stock in Transit, Contractors All Risks, Personal Accident, Legal Expenses, Business Contents, Stock and Business Interruption
  • A 24-hour legal advice helpline for help on legal matters affecting the business
  • A wide range of automatic covers across all sections including Treatment Risk for eligible trades, the use of bona-fide subcontractors (up to 25% of the annual turnover of the business) and, if Employer’s Liability cover is selected, temporary employees for up to 50 days.
  • Up to 25% No Claims Discount

Terms, conditions and exclusions apply to this product. Full details are shown in the Policy Wording and Policy Summary documents.

How to trade

This product is traded online via these software houses and through the Ageas Extranet

Features and benefits

Up to 10 persons covered

As standard, we’ll cover up to 10 people in the business (up to 15 at renewal), and we’ll add another six clerical workers free of charge for manual trades. Plus, Treatment Risk for eligible trades, the use of bona-fide subcontractors (up to 25% of annual turnover) and, with Employer’s Liability cover in place, temporary employees for up to 50 days.

Cover extension options

Employers’ Liability, Tools All Risks, Stock in Transit, Contractors All Risks, Personal Accident, Business Contents, Stock / Business Interruption, Legal Expenses

Business support

Including up to 25% No Claims Discount.

Literature and stationery

Related articles