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If you’ve had a quote over the phone and would now like to accept the policy please call us on 0808 178 7094.
Public Liability Insurance covers you in the event that a claim is brought against your business for negligence when working on a third party property, causing damage or injury.
Public liability cover overview
Public liability cover provides you with the peace of mind that should you ever make a mistake or are accidentally negligent whilst working on a third party property – that of a client, for example – you’ll be able to claim a benefit amount of up to £5million, depending on the level of cover that you need. Not only that, but we’ll be with you each and every step of the way, throughout the quotation process, throughout the purchase process and even throughout the claims process, should you ever have to make an insurance claim.
What your public liability cover includes
Cover is available for over 100 different trades, so whether you’re an electrician, a decorator or a tiler, our public liability insurance will be there to protect you. The standard benefit amount is £1million, but this can increase to £2million or £5million if necessary. The cover can be used to pay for legal expenses, medical expenses or compensation depending on the nature of the claim made against you. It could also go towards things like repairs should they be needed or to rectify any mistakes made. We also offer additional specialist products to top up your existing cover – just give us a call on 0808 178 7049 to learn more about all of our products, or speak to our Commercial Team on 0345 604 3352 for business advice and a friendly ear.
How to get a quote and make a claim
You can get a quote online by filling out our form. We’ll need to know things like the nature of your business, the type of work that you do, whether you have any sub-contractors and whether you have any tools or machinery that could potentially increase the likelihood that you’ll have to make a claim. We’ll also need to know if you’re in the kind of profession that requires you to take many precautions to protect those around you and yourself whilst taking on the work. For example, if you’re a tree surgeon, it’s important that you take the appropriate steps to ensure that falling branches do not cause damage to persons or property. Alternatively, call our Commercial Line on the number above.
To make a claim, please refer to your policy booklet as it will depend which of our insurance partners you’re with. Our claims lines are open 24 hours a day and seven days a week, which means we’ll be here whenever you need us.