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Public liability Insurance
Public liability insurance
If you have been searching the internet for a public liability insurance quote then you have no doubt tried several different websites and been confused by multiple terms, premiums, tax and such like. By using ourselves, a broker authorised and regulated by the Financial Conduct Authority you can sit back and let us do the work of searching around for the best and most cost effective policy on your behalf, save in the knowledge that our trained staff will find a policy to perfectly meet your requirements and at a very competitive price.
Whilst public liability insurance may not be a legal requirement when operating in the UK, it is highly advisable to have a policy in place to provide protection against a member of the public holding you liable for any injury or property damage you cause during the course of your occupation. With the increase in no win - no fee legal companies many have commented on the increase in legal action being taken to hold contractors liable for injuries and property damage to claim large sums of money as compensation.
You may not fully understand what public liability insurance actually covers you for, as previously said it provides protection should someone hold you liable for any injury you cause during the course of your work or any property damage you are responsible for. For example if you were a builder and whilst carrying your equipment into the customers house you accidently knock over an expensive vase, in this case the customer may hold you liable for the cost of repairing or replacing this item. Another example would be if you were to be working up a ladder and drop a tool which landed and injured a member of the public, in these two cases you would turn to your public liability policy.
When arranging a quote for public liability insurance in the UK you will need to provide details about the work you carry out on a day to day basis. The work you carry out, your occupation will have a major effect on your premium, for example you may find it more expensive to insure yourself as a roofer than if you were an artist for example. You will have the choice of different public liability indemnity limits, for example starting from £1,000,000 indemnity limit, with the higher this figure causing an increase in your premium. Check out the public liability insurance page or click above for a quote.