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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.

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.

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

Public Liability Insurance

Public Liability Insurance

Public Liability Insurance Online Quote Quick Quote Public Liability Insurance There is no way anyone can predict the future and you certainly can’t predict when an accident might happen. Even the safest and most conscious business owners have to deal with accidents...
Public Liability Insurance

Compare Public Liability Insurance Quotes

We can help with your Public Liability Insurance Quotes

Compare Public Liability Insurance Quotes – Just Quote Me have some of the best prices and covers available in the UK today!

Public Liability Insurance is compulsory in the UK for any business or individual working on either their own or third party properties. This kind of insurance protects the company or individual in the unfortunate event that they cause bodily injury to a member of the public either on their own premises or when working on a third party’s premises.

Examples that could occur are perhaps a member of the public could slip up on your wet floor or they may trip over that computer wire that wasn’t covered but just left loose. If that member of the public sustains an injury they will look to the owner or occupier of the premises for financial recompense and they may employ the services of a costly Solicitor to handle this on their behalf. Without the correct Public Liability cover in place the owner or occupier may then have to close their business due to a large legal bill and compensation award.

The local Authorities or Councils may insist on the minimum level of cover that you must have in place such as £5m. This may well be the normal amount that they require for anyone working on or around their premises. Many Building contractors, or sites managers, will no longer allow tradesmen or tradeswomen onto their sites without seeing first hand proof of your original Public Liability Insurance Certificate.

Just Quote Me can provide this online in a matter of minutes so that there is no delay in starting that all important contract.

Public Liability Insurance protects the Insured from both the legal costs and any potential financial awards made by any legal action brought against them. This cover therefore enables the Insured to continue with their business as the potential financial loss is covered by their Insurers.

Be careful to inform your Insurers of all of your business activities though as the protection will only cover the business activities stated in the policy schedule so if, for instance, you work at a height then tell them to get the maximum height noted by endorsement. Similarly, if you work with heat, such as welding or soldering, be sure to inform your insurers of all your business activities in a full and comprehensive Business Description.

For further advice contact one of our Insurance experts now and get the right cover for the best price!  Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325

What Types Of Liability Insurance Are There?

What Types Of Liability Insurance Are There?

Liability is a risk that is common to nearly every business out there, as there is always a possibility, however slim in some cases, that a business may face legal challenges and lawsuits, which would require funding a legal defence team or paying damages.

Liability insurance, also known as third-party insurance helps to fund the defence and payout to people who are not insured by the policy.

Depending on the business in question, there are typically three types of liability that most businesses either should or in some cases must get in order to safely run a business in the UK.

 

Employers Liability Insurance

When a business begins to employ staff they must purchase adequate Employers’ Liability insurance, and can even be fined £2,500 every day they do not have the right insurance.

Employers liability insurance, or worker’s compensation, pays compensation to any employee who is injured or becomes ill as a result of the work they undertake for you.

It ensures that money will be available to deal with any injury claims made, as well as covering any legal costs for any action taken against the business or any employee, director or partner in it.

 

Public Liability

Public liability insurance works similarly to Employers’ Liability insurance, with the primary difference being that instead of protecting against workers filing suit it instead protects against members of the public who make a legal claim.

If something happens at your work that injures a customer, a bystander or damages someone else’s property, the business is liable, even if it does not happen on your premises.

 

Product Liability

For businesses that produce, manufacture or distribute a tangible physical product to the public, injuries caused by these products are the responsibility of these businesses.

Product liability covers the cost of compensation and the legal costs associated with it.

 

Who Needs Employers’ Liability Insurance?

Who Needs Employers’ Liability Insurance?

Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.

What Is Employers’ Liability Insurance?

This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.

Do I Need Employers’ Liability Insurance?

Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.

How Much Employers’ Liability Insurance Do I Need?

The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.

Insurance From Just Quote Me

Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.

Compare Tradesman’s Liability Insurance

Compare Tradesman’s Liability Insurance

Tradesman’s Liability Insurance is available from Just Quote Me

Just Quote Me offers Tradesmen the ability to compare prices from various Insurers for Tradesman’s Public Liability and Tradesman’s Employers Liability. We have the added benefit of adding tools cover and Contractors All Risks Insurance if required.

There are also various sums Insured from £1m to £5m as standard and then higher limits are available on request.

As we know there are vastly different types of Tradesman in the UK from one man bands to Multi national organisations Employing thousands of employees.  We can offer superb bespoke covers for all of them, some obvious covers required would be Public Liability Insurance and Employers Liability Insurance.  We then have the option to add your tools to the policy whilst you are working away from your home or business premises, this can be invaluable as a Tradesman’s tools are his or her life blood, if they are stolen or damaged beyond repair more than often the replacement costs can be expensive, as they may have be added to year on year and often replacements can run into thousands of pounds.  This is where tools cover can be a must for Tradesman to Insure against possible total loss or theft.

Contractors All Risks Insurance can be a more complex cover, and our team of experts are on hand to advise clients of what exactly this cover is, and what sections each unique risk may need if not all sections available.

Contractors Insurance can cover various things such as your materials being used or in use during a contract, the contract value itself, theft of tools and or work in progress which can include materials already fixed to the fabric of a premises but still being worked upon, after all until a job is signed off to your customer the materials in trade are your responsibility for Insurance purposes, as is own Plant and Machinery, Hired In, or Hired Out Plant can also be included under this particular insurance cover.

What ever covers you need we at Just Quote Me Ltd will be able to tailor make a policy to suit your demands and needs.

To get a FREE no obligation Tradesman’s Liability Insurance quote:

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

Employers Liability Insurance

Employers Liability Insurance

Employers Liability Insurance Online Quote Quick Quote Employers Liability Insurance Employers’ liability insurance is the only legally required type of insurance for UK businesses. Any business that employs people, even if you are a self-employed person with...
What Is Meant By “Deliberate Acts” In Insurance Policies?

What Is Meant By “Deliberate Acts” In Insurance Policies?

The phrase “deliberate acts” is found in many policies, particularly in public liability insurance. However, it is often important to know exactly how this applies in practice.

As a recent Supreme Court case will attest, liability is a somewhat complex part of an insurance policy and the more that is understood about what liability is and what insurance policies cover, the better.

Liability, put as simply as possible, is the person or business who is held to be legally responsible for an event or action, and therefore must face the consequences of these actions.

The most basic examples of these are the responsibility if a product causes illness or injury (product liability), responsibility for the safety of employees (worker’s compensation and/or employment practices liability), and injuries that take place on/in a place of business (public liability).

The latter example is one of the broadest types of insurance and can vary wildly depending on the type of business, whether it is public-facing, serves alcohol and other factors.

Generally, exceptions to public liability insurance are covered by other insurance types, such as property damage and employee liability. However, one key clause that is almost always exempt from liability insurance is deliberate acts.

Deliberate acts is a phrase that appears to be simple; any act intentionally undertaken by a business that they become liable for is not covered. However, it is not always that simple.

There are cases where a person or business’s inaction makes them liable, such as continuing work when it could put a bystander in danger, but this also has to be willful and deliberate.

Recklessness was not enough to constitute a deliberate act, even if this would have been the case for criminal ordinary liability.

Small Businesses Warned Not To Scrimp On Insurance Polices

Small Businesses Warned Not To Scrimp On Insurance Polices

A report in Money Week suggests that some small companies stopped paying at least one type of insurance during the pandemic in an attempt to reduce their overheads. While in some ways this is understandable, as the lockdown left many businesses fighting for survival, the article warns that cancelling insurance policies is false economy.

It is illegal in some cases for a business to operate without certain types of insurance, and if it is discovered to be doing so, the business owner could face steep fines or other penalties. For example, it is a legal requirement for businesses who employ even just one member of staff to have employers’ liability insurance.

If the business uses a vehicle, it is also required by law to have motor insurance, with a minimum of third-party cover providing £1m of insurance for property damage and an unlimited amount for personal injury.

While it is not always a legal requirement to have public liability insurance, business owners are taking a huge gamble if the company interacts with people who are not employees.

For example, if customers or clients visit the business premises for any reason, and as a result sustain an injury, illness, or damage to their property, they are entitled to claim for compensation. Public liability insurance is designed to help cover any damages awarded to the claimant, and help with legal costs to the business owner.

The pandemic has also highlighted the need for business interruption insurance, which is designed to pay out if the business is unable to trade due to temporary closure of the premises. This could be because of a fire or flood, but small businesses recently successfully challenged for Covid-19 claims in the courts.

While all businesses are free to assess the risk in certain areas of insurance, it can prove a lot more costly in the long run to opt out of certain types of cover.

Looking to compare public liability insurance? Visit our website today.