We are a broker based in Southend-On-Sea specialising in public liability insurance and provide instant online quotes from a panel of competitive insurers. As a specialist in this area of insurance we can provide extremely competitive quotations with very flexible terms. Below is just a sample of the occupations we can provide cover for:
Public liability insurance is crucial to protect yourself against people holding you liable for any injury or property damage you cause during the course of your work. When considering whether or not you need liability insurance you should consider the following examples:
You are working up a ladder and drop a tool onto the customers car below and damage it
You leave tools on the floor which the customer trips over and injures themselves
Whilst carrying equipment into a property you knock over an item and damage it
Whilst public liability insurance isn't usually a legal requirement, many companies which contract work out will not employ someone without public liability cover. If you have employees then it is crucial that you look into employers liability insurance which is a legal requirement in the UK.
You may be wondering if you even need public liability insurance and we hope to address this question and make clear why you should have this form of insurance in place. Any person trading in the UK is at constant risk from liability claims against them, especially in contractor trades such as builders, roofers and such like. You only need to make one small mistake such as leaving a tool laying around which someone trips over or accidentally causing property damage and the costs could be huge. When you consider how easily property damage or injuries can occur you have to ask yourself if it is worth the risk of trading without liability insurance when the premiums are so small.