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Public Liability Insurance

I need public liability insurance, how much cover can I get?

Most insurance companies will offer three levels of cover these are:
  • £ 1,000,000
  • £ 2,000,000
  • and £ 5,000,000
Some insurers will also offer £ 10,000,000 worth of public liability insurance cover, this higher amount is only normally required if you are doing work for the local government or large companies who sometimes insist on the higher level of cover.

I employ a member of staff can I also cover them?

If you employ a member of staff you would need employer's liability cover. This is a legal requirement under the employers liability (compulsory insurance) Act 1969. The act states that you must have at least £500000 of cover but most insurers will cover you for £10000000in the event of accidental injury sustained by any employee of the insured for which the insured is legally liable.I

don't employee anyone but have bona-fide subcontractors doing work for me?

Insurers will allow you to cover yourself for bona-fide subcontractors that do work for you; however insurers will normally require that bona-fide subcontractor to hold public liability insurance.

I hire in plant and equipment can I cover myself for this?

Some public liability insurance policies will allow you to include cover for plant and or equipment that you may hire in for the purpose of your work. The amount of cover that is available will vary dependant on the insurer.

I wish to insure my tools under my public liability insurance?

Insurers will normally allow you to insurer a small amount of cover for tools. This section of the policy is quite limited and will normally exclude cover from an unattended vehicle. Cover can be extended to include this at an extra premium and normally an increased excess

How do I obtain a tradesman insurance quotation?

You can either complete the call back form and one of our experienced members of staff will call you back and obtain the information required for your tradesman insurance quotation or call us on 0844 2098310* and speak to a member of staff who will be able to provide you with a quotation.