Public Liability Insurance can be the complete liability insurance solution for your business, providing protection for you against the risk of loss from various causes including injury, property damage and theft. We can tailor our Public Liability Insurance policies to suit your individual business requirements by adding specific coverage to your policy. This will enable you to focus on running your business with peace of mind and the security of knowing that should you need to make a claim you will have someone to assist you when you need us most.
What is included in our Public Liability Insurance Policy?
Whilst our public liability insurance policy coverage can be unique to your business, standard cover will include:
- Public Liability – Covering your Legal Liability to others.
- Employers Liability Insurance – Covering your Legal Liability to your Employees.
Liability Insurance can be extended to cover your:
- Tools and Equipment
- Plant and Machinery
- Temporary Labour only workers
- Personal Accident to Employees, Directors and Principals
Who requires Public Liability Insurance?
Contractors, tradesmen, limited companies, and partnerships offering a manual service are typical examples of businesses requiring Public Liability Insurance.
There are hundreds of activities which are suitable for Public Liability Insurance; the common occupations include Builders, Plumbers, Carpenters, Electricians, Painters and Decorators, Locksmiths, Glaziers, Handyman, Property maintenance, Gardeners, and Landscapers. The slightly higher risk activities include Security Alarm/CCTV installers, Tree Surgeons, Roofers using heat, Scaffolders, Lift installation and maintenance, underground services and Rope Access.
If you fall into a high risk trade then the simple quote and buy systems are not suitable and you insurance will need to be underwritten by a specialist insurer offering a specifically worded policy for your activities.
As an Insurance Broker operating for over 40 years we have access to a large panel of insurers including some of the leading names in the insurance market with global representation. Claims lines are open 24/7 ensuring you have immediate access should you be unfortunate enough to make a claim.
We encourage personal contact as we see this as a vital component in understanding your requirements.