Liability Insurance – Taxi Cab Drivers – Chauffeurs
It is sensible for taxi drivers, mini-cab drivers, private hire and chauffeurs to have public liability insurance.
A taxi driver writes:
“I had that bloke from the BBC’s Money Box programme in the back of my cab the other day. He was saying that that cab drivers like myself should be sure to get some public liability insurance.
He reckoned that if taxi drivers do chauffeur work for councils and the like such as driving kids about to and from school then the driver should have liability insurance so the driver is protected if a kid is injured while getting in or out of the cab. He said that a lot of councils will only employ taxi drivers who have proper public liability insurance.
Proper PLI doesn’t cost a lot and you can get cover up to ten million quid.
He also reckoned that cabbies need business buildings insurance if we run our business from an office – whether at home or on other premises. You can also buy business contents cover.
This makes sense to me. If you’re a cab driver and you haven’t got proper insurance you should be strung up.”
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Amount Of Liability Cover Required
The amount of cover you need will vary according to your business type and other factors. You can take out up to £10 million of cover.
Is It A Legal Requirement To Have Taxi Drivers’ Liability Insurance?
No – if you don’t have taxi drivers’ public liability insurance you won’t be breaking the law. However in today’s society of ‘No Win – No Fee’ companies it’s now easier than ever for someone to claim off you.
We are constantly exposed to advertisement campaigns from legal claims firms, encouraging the public to make compensation claims. Compensation culture is often justified albeit highly dubious, but the fact it exists in such force is a strong argument for businessmen to take out public liability insurance.
Compare Public Liability Insurance Quotes For Taxi Cab Drivers And Chauffeurs
To get best value for money, you should compare the market and get a range of quotes from trusted insurers.
Public liability insurance is designed to cover your business in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party’s property. If you were ever put into a situation which made your company liable to be sued, having the right insurance can give you the cover you need.
Find out how much you could save on the public liability insurance for your business by comparing policies.
Peace Of Mind
Public liability insurance policies give people like you the peace of mind of knowing that you are properly covered so that you can concentrate on running your business!