What Is Public Liability Insurance?
Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If a member of the public is injured on your property you may be held responsible. For example, a customer might slip on a wet shop floor.
It is designed to pay compensation which can include loss of earnings, future loss of earnings and damages awarded to the claimant in addition to your legal cost in defending the claim and the claimants’ legal costs that you incur if you are found to be at fault.
Public liability claims can be made as a result of an accident at your business premises or outside of this space – perhaps when you are on a sales visit or working on a construction site, for instance. Some customers or clients may also require you to present proof of public liability insurance before they work with you. This is quite common particularly when working with local authorities, so you need to bear this in mind.
What Trades Does Public Liability Insurance Cover?
Public liability insurance covers a wide variety of trades.
Public liability insurance coverage may be obtained for many types of businesses such as consultants, engineers, technicians, installers, repairers, contractors, maintenance workers, fitters and cleaners.
Here are some more trades covered by public liability insurance:
Air conditioning installers
Appliance repairers – Domestic
Bedroom furniture installers
Boiler Services (Domestic)
Cable TV installers
Cake Making And Decorating
Carpet, upholstery and curtain cleaner
Cavity wall insulation
Ceiling, Wall and Floor Tiler
Central heating services
Computer Repair, Service and Maintenance
Conservatory and Porch Erectors
Damp proofing and control services
Decorative Lead work
Domestic Appliance Engineer
Domestic services – ironing and cooking
Domestic Stair Lift Installers
Door Entry System Installer
Dry stone wall construction repair
Electrical appliance serving
Electrical Goods (Domestic) Repair
Engineer – acoustic
Exhibition Stand Erectors
Fire Surround Installation
Garage and Shed Erectors
Garage door fitting
Ground workers (1 metre depth limit)
Guttering and facia board installation
Heating and ventilation contractor
House Builders ex self build
Monumental masons including building
Office Equipment Repairer
Painters and Decorators
Patio and drive cleaner
Pebble Dashing and Rendering
Satellite Dish Installer
Satellite TV Installers
Security Camera Installer
Security Lighting Installer
Smoke Alarm Installers
Stonemasons ex building
Suspended Ceiling Contractors
Swimming pool cleaners
Swimming Pool Contractor
Telephone point/extension installation
Timber Decking Contractors
TV And Radio Service and Repair
Upholsters ex manufacture
Vending Machine servicers
Wheelie Bin Cleaner
Amount Of Liability Cover Required
How much your tradesman’s public liability insurance costs is dependent on the type of business you run, the size and the turnover.
Having the right tradesman’s public liability insurance is crucial. If anything was to go wrong or any action taken against you, you could lose a substantial amount of money or even risk having to close your business.
Peace of Mind
Public liability insurance policies give you the peace of mind of knowing that you are properly covered so that you can concentrate on running your business!
How To Get Business