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What level of Public Liability Insurance cover do I need?

What level of Public Liability Insurance cover do I need?

Just Quote Me can help with your Public Liability Insurance Cover!

Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.

Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.

Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.

What level of Public Liability Cover do I need?

The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.

When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.

Running the Risk of No Public Liability Insurance

Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.

Affordable, Comprehensive Insurance Policies from Just Quote Me

Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.

If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.

Plumber’s Public Liability Insurance

Plumber’s Public Liability Insurance

As a plumber working in the property of your clients, you have a higher chance of risk. Every property is different and one mistake, not being aware of your surroundings can lead to damage. This is why it is essential to have plumber’s public liability insurance.

Why do plumbers need plumber’s public liability insurance?

All tradespeople need public liability insurance to protect themselves. Public liability can help to cover compensation should you cause property damage or injury to an individual. For plumbers, the risk is often greater. Furthermore, plumbers have the chance to cause even greater (more expensive) property damage as a result of a mistake.

It is important to remember that compensation can be exorbitant. However, defending a claim in court can lead to costly legal costs too. Not having this money could significantly damage your business. With insurance, you have peace of mind that you can cover the cost of a claim.

What is plumber’s public liability insurance?

Plumber’s public liability insurance is a specific form of public liability insurance. The cover options can have levels of indemnity of £1 million. This is usually the minimum amount. However, can extend to £5 million and beyond, depending on the needs of your business. It is up to your business to decide on the most appropriate cover for your business.

Don’t forget that it can help to pay for expensive legal fees, which you will have to pay even if you are not responsible.

The cost of plumber’s public liability insurance can vary depending on the risk and size of your business as well as the level of cover you want. Just Quote Me will scour the market to find you the very best deals at the best possible price.

Do you have questions about plumber’s public liability Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Public Liability Insurance

Public Liability Insurance

Public Liability Insurance

Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:

– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.

– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.

The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.

How are such public liability compensation claims made?

To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.

Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.

Let’s look at a public liability compensation claim:

The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.

Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open.  Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.

There was no warning sign erected or protective barrier erected to ensure that the public were safe.

He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”

His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.

Do you have questions about Public Liability Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Builders Public Liability Insurance

Builders Public Liability Insurance

Builders Public Liability Insurance – Looking to compare Builders Insurance?

At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes.  You will get some of the best rates and covers available in the UK today!

What Insurance do Builders and Building Companies need?

Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off.  Then it becomes the responsibility of their customer to insure.

Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.

Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.

Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325

Does My Business Need Public Liability Insurance?

Does My Business Need Public Liability Insurance?

If your business has any contact with members of the public then investing in public liability insurance is a smart choice. This type of insurance protects your business if it is sued for injuries or damage. Almost every type of business will have some contact with the public so almost every type of business needs public liability insurance.

Are your Legally Required to have Public Liability Insurance?

Public liability insurance is not a legal requirement. However, many businesses recognise its value and have it protect them from the costs of compensation. What’s more, many business associations and groups will not accept members who do not have an appropriate level of public liability insurance. This can also be the case with contracts and you may find clients will only work with you if you have a good level of public liability insurance.

Public liability insurance is a good investment for businesses who:

  • Have customers visiting their premises such as shops and restaurants
  • Work on client sites such as tradesmen entering homes and business premises
  • Work in public, such as in construction, where there is a risk to passers by

Public liability insurance is not something you have to have but could your business really handle the cost of a compensation claim? For many businesses, it would mean the end of operations and closure and the cost of insurance is very minimal when you consider this outcome.

Public Liability Insurance with Just Quote Me

Getting in contact with Just Quote Me is one way of ensuring you have a choice of public liability insurance options. Our team will work with you to find the best value and most appropriate quote for your business. The level of public liability insurance you require will depend on many factors and we can discuss your options with you before you need to make a decision. Contact us today to discuss your business and public liability requirements.

Compare Public Liability Insurance – West Midlands

Compare Public Liability Insurance – West Midlands

Are you a start-up looking to compare public liability insurance for the very first time?

Then it’s important to research your options before jumping in and buying the first policy that you find. Business insurance needs to be tailored to your unique business needs in order to ensure that it’s valid in the event that you need to make a claim.

Far too often, business insurance does not offer the right level of cover for the business in question and this can lead to problems in the event of a claim.

A good idea is to obtain a quote from Staffs company Just Quote Me. The team have 30 years industry knowledge and are best-placed to help you obtain the most relevant insurance policy for your business in Staffordshire or the West Midlands.

Take Back Control

You might assume that all businesses working in the insurance industry are out to ensure that you pay as much as possible for your policy. However, as soon as you get in touch with the team at Just Quote Me you’ll quickly realise that this isn’t the case.

Just Quote Me works hard to present you with quotes for policies that are ideally suited to your business. When you do business with Just Quote Me you can find affordable cover that’s within your budget, without compromising on the level of cover that you need.

To Compare Public Liability Insurance in the West Midlands:

Go to our online Quote System or call us on 0800 084 2325

Does My Business Need Public Liability Insurance?

Public Liability Insurance UK

Public Liability Insurance UK

Public Liability Insurance provides cover for your business in the event of any third party claims being made against it, or yourself, for any negligence causing a member of the public to suffer from an injury or illness as a result. This type of insurance also provides your business with cover in the event of damage to any third party’s property.

This type of insurance also provides your business with cover in the event of damage to any third party’s property.

So, in effect, this type of cover protects your business if you were to find yourself in a situation that made your company liable to be sued in the courts. If you’ve arranged the right insurance then your company will have the cover that it needs to reduce its operational risk.

Unfortunately, most business owners often don’t have the time to fully understand public liability insurance and could therefore face paying exorbitant fees for damages should their policy prove to be insufficient for their financial needs. This is why it is important to contact the experts in this field to find out what is included and, just as importantly, what is excluded from any policies.

Why should I arrange Public Liability Insurance?

The most commonly arranged type of cover for small businesses is Public Liability Insurance. This type of protection is also just as important to medium and larger organisations too.

It’s not a legal requirement for businesses to have this cover, however it should be considered as an essential – particularly where members of the public may be interacting with your company. From clients visiting your office, shop or work premises to the potential of dangers at shows and exhibitions, it’s not something that your company should be without.

If you operate from home you may think that you are safe but think again, even home-based businesses need to consider this cover if their home office is ever used as a meeting place for members of the public to attend.

What does Public Liability Insurance cover?

You need this cover, for instance, if you damage third party property when you are carrying out your work, which makes it eminently sensible protection for tradesmen. It is a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.

It’s a simple fact of modern life that even a minor scratch to someone’s personal property can lead to unexpectedly hefty fines, more so in fact if you need to pay legal fees should the case go on to court. The good news is that legal fees would also be covered by your policy giving you some vital peace of mind.

At the time that you are arranging your Public Liability Insurance cover, make sure that you tell your insurer the type of business that you operate. This will more easily help you come to an agreement regarding the right type of policy that is best suited to you and your company.  Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1million to over £10 million, depending on your circumstances and potential exposure.  You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million which may surprise many!

Your appointed insurer needs to ascertain the level of financial cover, which could be anything from around £1 million to over £10 million, depending on your circumstances and potential exposure.  You will also find that, in the public sector for instance, there is a minimum financial cover requirement which your insurance needs to meet in order to tender for and win contracts. These requirements can be as high as £5 million.

Many small business owners tend to think that they are safe simply because they are small! This is not the case at all, without public liability insurance you could lose your income so tread carefully.  Just a simple thing like a slip-up over a loose cable, a spilt cup of tea or injury caused by broken glass or door slamming shut in the wind could put paid to your business plans if you are uninsured.

Compare the different policies online

Comparison websites, like Just Quote Me, provide you with the ability to compare various policies and save money whilst, at the same time, allowing you to transparently compare the often vastly different insurance options available to you.

Just enter your details into our simple application form and you will be able to start comparing policies straight away.

In this way you will quickly and easily find the Public Liability Insurance policy and cover that suits your needs most. We are always happy to help so, if you have any questions, then please call to speak with one of our experienced UK based consultants.

To Compare Public Liability Insurance:

Go to our online Quote System or call us on 0800 084 2325

Public Liability Insurance Advice

Public Liability Insurance Advice

Compare Public Liability Insurance

Have you recently started a new business in Staffordshire or the West Midlands? Then you’ll need to ensure that you invest in Public Liability Insurance.

This type of insurance is essential, as it covers your business in the event that a customer or member of the public suffers loss or injury as a result of your business activities and made a claim for compensation.

The insurance would cover the compensation as well as any legal expenses. The world of insurance can be a confusing one – especially for those starting a business for the first time. Insurance is unlikely to be your number one priority when you begin trading, however, it’s not something you can ignore for too long.

Many people get quotes for Public Liability Insurance online through Just Quote Me. This established Staffs company provides bespoke business insurance quotes to meet your needs.

Tailored Business Insurance

Every business is unique and that’s why business insurance should never be sold on a ‘one size fits all’ basis. Just Quote Me has been in the business of insurance for many years and understands the need for tailored business insurance policies that are designed to fit a company’s specific needs.

All too often, businesses purchase generic insurance only to find that they’re left without cover when they need it the most.

To Compare Public Liability Insurance Quotes Online:

Go to our online Quote System or call us on 0800 084 2325

 

Public Liability Insurance Advice

Applying online for public liability insurance cover

Compare Public Liability Insurance

Today’s Public liability insurance is cover suitable for businesses or organisations that need protecting from third party claims that may be made against them by the public.

If a business has caused a member of the public to suffer in any way then it is possible that a claim could be made.

Most business owners may not have the time to worry about or understand public liability insurance. They may be paying for cover that they do not even understand. This means that may have insufficient or inappropriate cover for their individual requirements.

If in any doubt responsible business owners should contact specialist providers in this field, such as JQM, to find out what is included and what is excluded from their public liability protection.

What does public liability insurance protect?

If you damage any third party property, when you are working, then you are liable to pay to repair those damages. This makes this insurance eminently suitable protection for tradesmen such as carpenters, plumbers, plasterers and tilers. Others that could benefit from protection include Kitchen and Bathroom fitters, roofers, builders, electricians or gas engineers working on client’s property.

Working out the level of cover required

When arranging such cover, your insurer needs to work out the level of financial cover that is required for you.

This could range from £1million to £10 million or more, depending on your job and the value of any financial losses that could occur as a result of your work.

Public Liability Cover for contracts in the public sector

For some contracts, especially in the public sector, there will often be a minimum level of financial cover required.  Your public liability insurance would therefore need to meet the required level of cover in order for you to work on such contracts.  In this day and age £5 million is a fairly standard amount of cover for council and local authority work.

It is often the simple issues that crop up in life that can catch many companies out. Imagine operating a window cleaning company with the contract to clean the glass on a skyscraper such as the shard skyscraper in London – it’s a long way down from the top if anything goes wrong!

You should compare different public liability insurance policies online

If you use insurance comparison websites such as JustQuoteMe, you will be able to more easily compare various policies together side by side. Bear in mind that the public liability insurance cost is not the only consideration!

It is the small print that you need to check as all policies will be different to an extent, some more than others!

It is best to come up with a short-list of the policies that you have selected based on your own set of criteria. Once you have entered your information you will be presented with the various options or, if you prefer, can request a phone call allowing you to decide if the cover is what you are looking for.

Apply online for a public liability insurance quote!

Insurance comparison websites are great because they allow you to compare the various different policies available in the market together.  Once you have entered your details into one you should be able to start comparing policies straight away saving time, money and trouble.

We hope that this has helped to show you the real benefits of getting your own insurance quote comparison online. If you would like to talk to an insurance professional then we are happy to help so, if you have any questions, then please call to speak with one of our experienced and UK based consultants right away.

To Compare Public Liability Insurance Quotes Online:

Go to our online Quote System or call us on 0800 084 2325

Public Liability Insurance Stafford

Public Liability Insurance Stafford

Public Liability Insurance

Looking for a public liability insurance quote that’s tailored to your company’s unique requirements?

Then to organise your insurance policy quickly and without any hassle whatsoever get in touch with Just Quote Me based in Stafford.

The experienced team at Just Quote Me understand that every business is different and that insurance should reflect this. Whether your business is a pub, a restaurant, a shop or you’re a solicitor or an accountant in Staffordshire or the West Midlands contact us today to find a cheap insurance quote that works for you.

The Importance of Public Liability Insurance

Don’t make the mistake of assuming that Public Liability Insurance is a luxury that you do not need. On the contrary, both public liability insurance and employers liability insurance (if you employ one or more employees) are legal requirements.

To ensure that you’re staying on the right side of the law and that you are fully protected from any loss that might arise from a claim, buy Public Liability Insurance from Just Quote Me. The company has been a leader in its field for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.

To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.

Public Liability Insurance Claims

Public Liability Insurance Claims

Public Liability Insurance Claims

Lets first give an example of what Public Liability Insurance Claims are and what they were designed to cover people and businesses:

– If you have an accident or suffer from an injury to your body whilst on public property that was not your fault.

– If you are injured or fall ill during the course of employment then you may be able to claim against your existing or former employer.

The person responsible for the maintenance of public areas must ensure that they are as safe as possible for the public. Public Liability Insurance is a must so that they are able to compensate members of the public for any injury they sustain on the property caused by negligence. Any injury claim, for public liability compensation, would be made against the insurance policy.

How are such public liability compensation claims made?

To achieve a successful public liability compensation claim you need to prove that another person or company was responsible for any injuries that you have sustained as a result of negligence.

Many companies operate to achieve public liability insurance compensation for their clients on a ‘no win no fee’ basis. Many companies on the internet can pursue a claim for you on a ‘no win and no fee’ basis. This means that if your case is not won then you will not be out of pocket financially! This gives many people the confidence to make a claim where they may not have done so before through no fault of their own.

Let’s look at a public liability compensation claim:

The Royal Oak public house is in Fishguard. Here, an incident reminiscent of the famous scene where Grandad fell down a trap door into the cellar took place some time ago.

Mr Parkinson fell down into the pubs cellar after the cellar trap door was left open.  Mr Parkinson was on his way back from the Gents and, as he was returning back to his lady wife, fell through the open cellar trap door. He was left with injuries to his chest and had restricted movement in his arm apparently due to pain and weakness causing him great distress.

There was no warning sign erected or protective barrier erected to ensure that the public were safe.

He stated: “It was a hell of a shock” and “You don’t expect there to be a gaping hole in the floor without any warning signs or protective barrier” said Mr Parkinson at the time!” – Mr Parkinson’s solicitor stated that “It sounds like something out of a comedy sketch” and “this was no laughing matter”

His subsequent Public Liability insurance claim was won and he obtained £3,750 in compensation for his personal injuries.

Do you have questions about Public Liability Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Does My Business Need Public Liability Insurance?

Public Liability Insurance

Our leading UK Public Liability Insurance policies are designed to ensure you have access to the appropriate level of cover for your business. Public Liability Insurance is designed to protect your business from a wide range of different potential claims from members of the public.

Public liability insurance covers your business against the costs of claims that come from a member of public who has suffered an injury or damage to their property because of your business or business activities. This member of the public could be a client, a passer-by or anyone on your premises or around when you are at work. Public liability insurance will also cover you if your business takes you to other people’s properties and premises, should your work result in an accident or injury.

Public liability is one of those types of insurance that all professional and sound businesses see as essential because it ensures they are protected should the worst happen. It protects your business against unexpected circumstances and unpreventable accidents.

What level of Public Liability Cover do I need?

The level of public liability insurance that a business needs is dependent on many factors. It will depend on the kind of work carried out and the risks associated with that work as well as the size of the business. It will also depend on the kind of contracts your business works on. For example, any company that works on government contracts, on a local or national level, will be required to have a public liability premium of a minimum of £5million and this rises to £10million in some cases.

When selecting your cover, it is important to look in depth at all elements of the insurance contract and ensure it provides what your business needs. In particular, you should look out for any exclusions and inclusions that are written into the policy. In some areas of business, you may find there are excluded elements you need in your policy and it could be worth discussing these with your chosen insurer directly or looking elsewhere. Companies working in particularly hazardous sectors such as those where dangerous chemicals and substances such as asbestos are common will need to look closely at the entirety of their chosen policy. This is to ensure it specifically provides cover for these hazards.

Running the Risk of No Public Liability Insurance

Public Liability Insurance is an optional insurance premium that most smart business owners invest in. Not having the cover in place means you have no financial protection should the worst happen. As well as the compensation costs for the injured party, if there was a claim, you would also need to find the funds for your legal defence and these costs quickly add up and can seriously affect the working capital of any business.

Affordable, Comprehensive Insurance Policies

Just Quote Me is a proud and experienced provider of affordable and comprehensive insurance policies for a diverse range of industries and professions. Minimum cover levels start from just £1 million and go beyond £10 million tailored to the individual needs of the business. Whatever your requirements Just Quote Me can ensure your public liability insurance is perfect for your business.

If you are looking for a reliable and competitive public liability quote, then you are in the right place. Contact Just Quote Me for all your Public Liability Insurance needs on 0800 084 2325 or fill out our Quick Quote Form.