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.