Public Liability Insurance
If you are a new small business owner, then purchasing business insurance should be part of your start-up preparations. A business insurance protects a small business as it begins to grow. Without proper insurance coverage, the business could possibly be exposed to future issues that can disrupt your business’ finances. One type of business insurance that you should consider to take is public liability insurance cover.
Businesses are not required by law to have public liability insurance but is a sensible precaution to take. If you sub-contract for a company then it is very likely they would insist on you having public liability insurance.
Public liability insurance only covers third party claims, and not those made by your own employees.
Insurance coverage may be obtained for many businesses such as: Fencing Contractors, Fire Surround Installation, Fireplace installation, Floor Screeding, Flooring Contractor, French Polishers, Furniture Installers, Furniture Repairers, Garage and Shed Erectors, Garage door fitting, Garden Designs, Gardening, Glaziers, Gravediggers, Graveyard Maintenance, ,Ground workers, Guttering and fascia board installation, Handyman, Heating and ventilation contractor, Heating Contractor, House Builders ex self build, Ironing Services, Kitchen Installers, Landscape Gardener, Lawn Services, Lighting installation, Locksmith, Loft Insulation, Milk Delivery, Model maker, Monumental masons including building, Office Equipment , repairer, Office fitters, Painters and Decorators, Partition contractor, Party Planners. Phrases: business insurance, compare insurance, employers liability.
What Trades Does Public Liability Insurance Cover?
Public liability insurance covers a wide variety of trades.
The purpose of public liability insurance is to protect members of the public as well as any customers that may come visit your business property. Despite all good intentions on your part, things do happen unexpectedly. Your business visitors could get injured while on your property. If such thing happens, they are entitled to make a claim against your small business. Regardless of the business types and niches, all are liable.
Public liability insurance covers a wide variety of trades such as Acoustic Consultant, Acoustic Engineering, Aerial Engineers, Air conditioning installers, Alarm installers Appliance repairers – Domestic, Artexers, Awnings, Bath Resurfaces, Bathroom installation, Bedroom furniture installers, Boiler Services (Domestic), Bricklayers, Builders, Building maintenance, Cable TV installers, Cake Making And Decorating, Car valeters, Caretakers. Public liability insurance also covers businesses like Carpenters/Joiners, Carpet Cleaning, Carpet Fitters, Carpet, upholstery and curtain cleaner, Caterers, Cavity wall insulation, Ceiling contractors, Ceiling, Wall and Floor Tiler, Central heating services, Cleaning Contractor, Computer Repair, Service and Maintenance, Conservatory and Porch Erectors, Curtain Cleaners, Curtain/blind Fitters, Damp proofing and control services, Data Cabling, Decorative Lead work, Domestic Appliance Engineer, Domestic services – ironing and cooking.
A public liability insurance will cover any damages caused. Additionally, this insurance coverage will help recoup fees, expenses and costs that could cost your business a fortune when faced with such a claim; if your business visitors are injured and requiring medical attention you will also be liable for these expenses. Again, public liability insurance will protect you from these costs.
Small Businesses And Sole Traders Need Public Liability Insurance
Without proper public liability insurance coverage, the small business will be entirely responsible for paying for all expenses. These can be significant costs. Some larger businesses can probably absorb these costs. However, small businesses simply cannot. This is especially so in the beginning when one is simply trying to get their small business off the ground and running. Also, some clients will not do business with small businesses if they do not have appropriate public liability insurance coverage.
Give yourself peace of mind – buy some public liability insurance today!
The following business people may also have their public liability protected: Patio and drive cleaner, Paving Contractors, Pebble Dashing and Rendering, Photographer, Piano repairers, Piano tuners, Picture Framing, Plasterers, Plumber, Property maintenance, Radiator repairing, Refrigeration Engineer, Safe Engineer, Satellite Dish Installer, Satellite TV Installers, Security Camera Installer, Security Lighting Installer, Shoe polisher, Shoe Repairing, Shop fitters, Shower Installation, Sign erectors, Sign writers, Smoke Alarm Installers, Software Engineering, Stonemasons ex building, Suspended Ceiling Contractors, Swimming pool cleaners, Swimming Pool Contractor, Telephone point/extension installation, Television/Satellite/Cable installers, Tilers, Timber Decking Contractors, TV And Radio Service and Repair, Upholsters ex manufacture, Vending Machine servicers, Wheelie Bin Cleaner.
Public Liability Insurance Coverage
Obtaining proper public liability insurance coverage is essential for any small business.
Public liability insurance also covers Domestic Stair Lift Installers, Door Entry System Installer, Double Glazing, Drain Cleaners, Dressmakers, Drive Laying, Dry Liner, Dry stone wall construction repair, Ductwork Installation, Electrical appliance serving, Electrical Contractor, Electrical Engineers/Repairers, Electrical Goods (Domestic) Repair, Electrical Installation, Electrical Testing, Engineer – acoustic, Engravers, Exhibition Stand Erectors, Fence erecting.
Amount Of Public Liability Insurance Cover Required
The amount of cover you need will vary according to your business type and other factors. Many small businesses take out a minimum of £2 million of cover.
Compare Public Liability Insurance Quotes
To get best value for money, you should compare the market and get a range of quotes from trusted insurers.