Article by Nathaniel
This article is going to take you through the world of Public Liability Insurance including what sort of things are covered in a policy, why you would need to get this type of policy and the sort of trades/occupations that you would need cover for.
First of all let me make this point clear, if you are a single person working alone (for example a single builder or bricklayer) then this is not an insurance policy that is required by law but it is one that you should seriously consider getting before starting work so that you yourself are covered for the work that you will undertake, however if you are a single person at the top of a company that has employees then this is required by law along with Employers Liability Insurance which you can only get together with Public Liability Insurance.
Public Liability Insurance is designed to cover a tradesmen throughout the course of their days work including covering them against any instance of third party property damage or even third party injury, in both of these cases the third party mentioned would be the person you are working for or the property that you have been asked to work upon. These are the main covers that you receive on this type of policy which is why £1,000,000 worth of cover can start from as little as £44.63 for a year of insurance cover.
The third party property damage is the first thing that I would like to talk about including a couple of examples of when this can happen and the things that would be covered. If a carpet fitter was going into a clients house and was to knock over a vase or an expensive antique whilst carrying the carpet through then they would obviously have to pay to replace it hence the insurance and another thing is if a roofer was working on a house and dropped a tile off the roof an it damaged the third parties property in any way then this insurance is there to protect.
Third party injury is the other main thing that you would get Public Liability Insurance to guard against and a good example of this is if a workmen, while in the course of his work, left a tool lying around and the client was to trip over this and injure themselves then the insurance would be there to help. Public Liability Insurance can be obtained for many trades such as builders, Bricklayers, Carpenters, Painters and Decorators, Alarm Installers and Plumbers and many, many more.
I hope that this article has helped you and that those of you who are tradesmen realise exactly why something like this can be very beneficial to have and for a tradesmen working alone then it should definitely be something that you give serious consideration too so that in the case of any of the above happening you are not left to pay out of your own pocket when you could get covered for such a low premium.
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