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The world of Public Liability Insurance

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.

About the Author

For more information you can visit http://www.publicliabilityinsurance.org.uk/












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Public Liability Insurance – AXA Business Insurance

Martin Ward explains why you might need public liability insurance for your business from business.axainsurance.com Find out more about public liability insurance http Please don’t forget to rate, comment and if you liked the video then please subscribe!

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The reasons why Landlord Home Insurance Is Important

Article by alex hugz
























The need for land lord insurance can not be stressed enough. Owning rental property can be quite a tough business ifyou’re not insured. Just like other business ventures, it’s highly recommended that you likewise insure your houses, buildings and similar assets that you rent out so you don’t need to face complicated financial situations down the road. Insuring your rental properties protects both the buildings and you, which means you will surely gain a lot from it if something unfortunate happens.

Being a landlord, probably you have already got a landlord property insurance coverage policy for your properties or planning to get one. To clear up any misunderstandings you could have, landlord home insurance and a regular home insurance are not the same in that the conditions and terms the rules that govern them are different. The protection under landlord home insurance is generally more expansive and contains losses from rental income and tenant litigation and the like.

There are numerous kinds of landlord insurance policies such as: landlord property insurance, landlord building insurance, Landlord Liability Insurance, etc.

Before you can get a landlord home insurance, first get a quick look on the different kinds of coverage which might be suitedto your rental property. Compare the advantages and drawbacks for each type andsee what sort is best suited for your property.

Sorts of Landlord Home Insurance

Basic Coverage

Isa insurance policy that covers all repairs and renovations you make to your rental property. Itdoesn’t however include the contents of the property, hence should any damage occur to these contents, the insurance plan will not payfor the damage cost of these.

Fire Insurancecoverage

Whether it’s asmall fire that startedoff in your kitchen or maybe a large fire that destroyed your property, the rental property fire insurance will handle the damage costs. This is one of the most crucial insurance plan for any rental property.

Water Damage Coverage

This type of insuranceplan, covers accidents and damages that result from water related problems such as plumbing mishaps, broken pipes, etc. Double check that it covers floods too, as numerous policies don’t.

Liability Insurance

You might be at risk of being charged by your tenants. Therefore, liability insurance covers your legal bills and the liability claims that the court has ordered for your tenants. This type of insurance coverage is extremely recommended for rental property owners.

Loss of income

Surely you entered into the rental business with income in mind. Yet, in some cases, it can be unavoidable to lose income specifically if the property itself is not getting enough customers or is unfit for rental anymore. In both circumstances, you are losing profit. So while you discover how restart your business again, the loss of income insurance plan will cover the losses you incurred during this period.

About the Author

If you would like to know more about http://landlord-home-insurance.info/general/landlord-building-insurance”> Landlord Building Insurance , landlord property insurance , landlord liability insurance or how to get the most all-inclusive landlord home insurance at the most affordable prices, please feel free to check out our website for more information.












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Insurance for rented property

Article by Mona
























There are property owners who will buy a property to rent it out in order to get a second income.Before giving it out to tenants, they will interview them before, however even by interviewing potential tenants, landords will not be able to find out whether they will be able to take care of the house like it was their own. Therefore it is vital to insure the house and protect it against any damages. We look at the need for having insurance on rented property

It is crucial to make sure your investment is protected, this can be done by landlords making sure they have insurance on their rented property. So if a resident is not capable of taking care of the landlords property, the landlord does not need to worry as the equity will always be secured against damage.

Contents that are in the house which belong to the tenants, are excluded from the rented property insurance policy, The renter is responsible for their contents and for that reason should consider a contents insurance policy as they will have to invest a lot on on contents that need to be replaced. Items may involve items such as furniture, televisions, computers etc. Fixtures inside the building and the structure of the house will come under insurance for rented property.

A landlord insurance is different to a renters insurance policy or a normal house insurance policy, this is as it is a policy that is used only for landlords which covers the building in unfortunate events such as destruction, smoke damage, or even natural disasters that may cause the building harm.

So if you want to buy a house in order to rent it out, it is essential to take out an insurance policy. To get the best insurance quote for you, it would be a good idea to compare policies online to get a good rate. You will be able to go through various policies and find the one that suits your requirements.

Using good sites or comparison sites for insurance for a rented property are always beneficial. By using a comparison site landlords are able to get a collection of quotes from many insurance companies by just entering a few details. A list of insurance companies will then show up which will be offering landlord insurance with details of the quote. The householder is then able to look at the list and note down the details of the quote. Once the right quote is found which satisfies the landlord’s requirements and price expectations, they can then move on to the next stage which is to go on the insurer’s website and buy the policy. To find an insurance policy this way, it suggests that a householder can save a lot of time and money which everymost landlords would want to do.

Accordingly cover for a rented property is important in order to care for the property from harm as the risk factor is higher and by taking the time to examine in contrast the insurance quotes, a householder will be able to find the best insurance quote for them that will cover their property. To have protection on a rented property is a realistic idea but is also a part of a legal agreement for a rented property. The house not being furnished means the tenants will need to bring their own contents in the house and the policy will only cover the building. It will be the tenant’s responsibility to insure their items with the right insurance policy.

About the Author

To use an insurance company that is secure is essential, therefore propertycoverplus.com is recommended where it offers contents insurance for tenants as well as unoccupied property insurance.












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