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Uk public liabilityIn the UK public liability insurance is not compulsory but if we think about it logically then all contractors of any sort should have this cover. We all know the risk of being sued is higher than ever before and the risks are more evident than they used to be. The main concern with these risks is to ensure finance is available to sort out any problems. You may think that setting aside money from your earnings is good way to do this but realistically this is not the most cost efficient way. Assuming you can't set aside a large amount of money each month then if you had a large claim early on then you wouldn't be able to afford the cost of it any way. When a standard uk public liability policy covers you for upto £1,000,000 for what can be for as little as a £50 premium, then this frees up any money you would set aside for claims for yourself as profit instead. This is much better money management and surely more money for you sounds better! |
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