Public Liability Insurance

If you are a self-employed tradesman or small business, your livelihood could be ruined by one simple error. Public Liability insurance is designed to shield you from this, by covering you against damage to property occurring in the course of your trade. Cover can be arranged for up to £10 million, and is now often a requirement for corporate employers.

Unfortunately the culture of claiming millions of dollars in damages for anything and everything has found its way across the Atlantic and we are now seeing huge rises in premium costs for all types of liability insurance. Even more disturbing is the fact that fewer and fewer insurers are offering policies, making it ever harder to get underwriters to cover particular risks.

An equally frustrating situation is that many councils and organisations are demanding that public liability insurance be in place before their buildings, grounds or playing fields can be used for leisure purposes such as exhibitions, fetes, parties or whatever. The cost of insurance for such a one-off event has risen to ridiculous levels and I'm afraid that we are now looking at premiums of at least £100 for such cover.

Having painted such a gloomy picture, we are delighted to be working with some of the UK's leading providers of online liability insurance.