Public Liability Insurance

Contractor's Building Plans

Public Liability Insurance

Accidents happen, and as much as you prepare to avoid them, things can go wrong and when they do you need the correct insurance to protect you.

Most business owners understand what public liability insurance is, loss, damage or injury to another person or item – a third party.

Your business insurance

Covered by experience, not by a call centre!

Whatever your business having the correct public liability in place is essential as is the type of policy you have.

Just because you have public liability insurance doesn’t necessarily mean that its going to cover you eventualities.

Public Liability Insurance – Keeping your business, in business.

Thomas Somers

The flooding from storm Desmond on 5 December was pretty devastating. Over half a metre of muddy, chemically contaminated water caused more damage than my worst expectations.
We made an instant decision to continue as normal and concentrate on our customers. We were speedily visited by the loss adjustor who almost instantly agreed with our plans for clearing out the damaged centre and for moving into temporary accommodation. In all of this process Lucy was a massive help, offering practical advice, helping chase the insurers when things got bogged down and being firmly on our side when we didn’t agree with proposals made by the loss adjustor. Her calm and structured approach was a huge morale booster at a difficult time. Without such an efficient service we would not have been able to “continue as normal” and get our centre re-built so quickly.
It is often said that you only know how good your insurance is when you need to make a claim.

How much Public Liability insurance cover do I need?

Typically public liability insurance starts at £1m, anything less isn’t worth bothering about, however the norm these days is really £2million or £5million. You may find that on occasions that some employers may be asking for £10million, usually employers asking for this level of liability cover is the larger business or in the case of the construction sector is Local Authorities.

In recent times the way indemnity limits have changed, due to the way in which claims are now paid the potential for much larger claim costs means that the they should be much higher.

Public Liability Insurance for manufacturers.

Public Liability cover on a manufacturing insurance policy usually comes with Product Liability Insurance. Most business have an understanding as to why public liability is needed and what it. Protecting your business against negligent claims whilst at your business premises or away.

Construction sector Public Liability Insurance

Clearly insurance for the construction sector is different than that for the average widget manufacturer.Generally the construction industry and allied trades is public liability biased, most incidents happen under this heading, the possible scenario’s for things to go wrong are endless, floorboards allegedly left unsafe, cables left exposed, leaking pipes, unsafe shuttering, unguarded excavations, the list goes on. Your exposure to a claim is probably more now than its ever been, and whilst you may not have been negligent you may still have to defend yourself in a court, and whilst it may be found you are not to blame, there will be heafty legal costs. Without cover for this type of incident the potential cost could destroy your business, public liability insurance will pay for these costs.

How are Public Liability Insurance premiums worked out

In simple terms its all based on your projected (estimated) turnover where you are a manufacturer, for the construction sector its also similarly based, this gives you flexibility as to the number of employees you have without having to notify us every time you add a new employee

But for the smaller contractor where it may be whats call “per-capita”, this as it implies is basing the premium on the number of manual people in the business,this means that you pay a set premium for each person.

Let us decide the best route for you, if its just you on your own or perhaps with a few employees then maybe depending on your trade type we would place you on a “per-capita” based product.


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