For any business, whether you are a builder or party planner, painter and decorator or plumbing and heating engineer, web designer or scaffolder, photographer or tutor. Whether you work from your own premises, in a customer’s home or other premises then public liability is a necessary insurance cover to have to protect your livelihood.
Depending on the size and nature of your business you can change the level of coverage that you require from public liability insurance. Usually, coverage will be between £1 million and £5 million but may be more if your business requires it, for example for high-risk activities. This cover will help to protect your business from events beyond your control as well as if your business is responsible for an accident or damage.
If you run your own business and it poses a threat of injury to the public or a risk of damage to property, then your business may need public liability insurance.
Public liability insurance will usually cover a range of people within your business such as employees and partners, but will often have a limit on the number of people on the policy. To make sure your public liability insurance covers your business and all of your workers, then talk to the experts at Compare My Insurance to get the right level of protection in place for your needs.
We at Compare My Insurance provide all customers with a minimum of £10 million coverage, to ensure your business is completely protected – however you can increase this option if required.
Employers’ liability is essential to cover the financial costs of compensation, and legal fees should a worker suffer from injury or illness as a result of your business, claims can be from both current and previous employees.Your business will need to have a minimum of £5 million of employers’ liability cover in place, as dictated by law but depending on the nature and size of the business, you may wish to increase your cover options.
We at Compare My Insurance provide all customers with a minimum of £10 million coverage, to ensure your business is completely protected – however you can increase this option if required.Once you have employers’ liability insurance in place, you must display it in your workplace as it may be checked by the Health and Safety Executive inspectors who could fine your business should it not be on display.
Whether working on site or at your yard, public liability insurance can help to protect you from any accidents at your work location. If you have a team of builders, whether contractors or employees, then you need to protect them from illness or injury with employers’ liability insurance.
Working with scaffolding comes with significant risk, to protect those working near your site, public liability insurance will give your business peace of mind and will protect your business from the cost of compensation should there be any claims for injury or damage to property.
Working at a customer’s site or home can pose a greater risk to your work as an electrician. Give your customers peace of mind for property damage by having robust public liability insurance in place. Remember if you use contractors for your business, you’ll also need employers’ liability.
Plumbing and heating engineers know all too well how mishaps can happen and in order to keep maintain great customer service and your business reputation you need to protect your business and finances from claims of damage or injury.
Paint spillages and equipment can cause damage to the property of your customers. To make sure your business can pay for compensation and legal fees, public liability insurance can help to cover you in the event of a claim.