Posted on

What Does Public Liability Insurance Cover?

Article by Oliver Kyle









For any business, whether you are working in the building trade, retail sector or any other area that deals directly with members of the public, having sufficient insurance cover in place is a must. Public liability insurance will protect your business should you be at the centre of a claim from a member of the public who deems that you have caused injury to them or damage to their property. One insurance provider is determined to ensure that you are adequately protected to combat any such claim.

Public liability insurance will cover you if you find yourself needing to pay out a large compensation package to a third party due to an incident being caused by you or your business. Without cover in place, you will be liable to pay the full amount which could result in your business being put at severe financial risk.

By using this particular insurance specialist, you can compare policies from a number of the leading insurers until you find the one best suited to you and your business needs. They give you the option of shopping around for your public liability insurance but remove the hassle of having to move from one website to the next in search of the best terms and cheapest policies.

Even if you work from a home office, public liability insurance is still necessary to cover you should any clients visit your property. If they were to injure themselves whilst on your premises, you could be seen as responsible if any form of negligence is apparent. With an adequate insurance policy in place you can make sure that you are financially covered should the worst occur.

A further area where public liability insurance can cover you is through your tools. Incorporating tools cover into your policy will make sure that the most expensive items that you rely upon to conduct your day to day work are covered against a wide variety of possible eventualities. With many tools being expensive purchases, having sufficient cover will remove any extra costs that you could do without further down the line.

Public liability insurance should be an essential purchase for any business working closely with members of the public. Injury to a third party or damage to their property can occur at any time so you are strongly urged to purchase a policy through a provider such as this to guarantee you are always covered.



About the Author

Written by Oliver Kyle, on behalf of Insure My Liability – expert providers of public liability insurance.










Posted on

Obtaining the cheapest buildings insurance cover

Article by David Thomson







Buildings insurance cover is a necessity when you take out a mortgage to buy a home. This type of insurance would payout if in the worst case scenario for example your home should burn down to the ground in a fire. Buildings cover would payout for the cost of clearing the site and re-building your home from scratch.

A buildings cover insurance policy would however do more than cover the shell of your home. Usually a policy would cover anything that was classed as not removable from the property. For example if you have a fitted kitchen this will be included in the protection as would wardrobes, bathroom fitments etc. Along with this outbuildings would be covered as would walls, fences and often, gates and swimming pool.

Your property would be covered for a wide range of occurrences that could cause damage or devastation such as damage from fire, flood, subsidence and damage done by theft or vandalism. However you would have to read the terms and conditions of any policy you were considering taking out before you took it out to ensure that you knew what was and was not covered.

When taking buildings insurance cover you should check to ensure that the policy comes with a 24 hour help line number. Knowing you can call someone at anytime day or night is a great relief. Sometimes the policy would also cover legal expenses and legal advice so check this also before taking out the insurance.

There are ways that you can keep down the cost of home buildings insurance. A policy will come with what is known as excess and this is the amount that you would have to payout before the insurance company would kick in and make a claim. For example if you chose to payout £100 in excess then you would have to pay the first £100 of the claim if you had to make one before the insurance company would pay the rest. Keeping thieves off the property by installing good strong fencing all around the property can also help to keep the cost of the insurance premiums down to a minimum as can installing security lighting.

One of the best ways to obtain several quotes for comparison is to allow a specialist provider to search around on your behalf for the quotes. A specialist will be able to search with the top UK insurance providers and deliver the quotes to you. You can then take your time to compare the insurance to ensure that you have the best policy for your needs. When comparing buildings insurance cover you need to ensure that you are comparing like for like. All cover you are comparing should come with a key facts document and it is essential that you read this from front to back as it will tell you what is covered and warn you of any exclusions. Exclusions are what can stop you from making a claim so checking them when comparing the cost of cover is needed.



About the Author

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their home insurance, car and life insurance.

Find More Cheapest Building Insurance Articles