Do you know what basic cover you need for your trade? Being a carpenter means you may have expensive tools and that you work in people’s homes and businesses every day. We understand the risks associated with your line of work, so we want to help you find complete protection and peace of mind. You can compare public liability insurance with us today as well as chat to one on our business insurance experts.
Putting together the perfect policy could be quick, simple and hassle free.
Just take a few minutes to:
1. Complete our simple online form
2. Browse the prices from a range of leading insurers
3. Choose the quote that best suits your business needs
4. Pay securely online
Why do I need public liability insurance?
If a member of the public is seriously injured or even killed through work you have been involved with, or on a site you are responsible for, then public liability insurance will cover any costs associated with a resulting claim for damages.
Most polices offer up to £5 million in cover, with some offering a minimum of £1 million. If you don’t have adequate cover, your business and reputation could be ruined should a claim for damages be made against you.
Why do I need employers’ liability insurance?
This is normally a legal requirement and you could be fined if you don’t have it. It’s there to help cover you if a member of your staff is injured or worse, killed, as a result of working for you. You could need it to cover any costly claims made against you. So, if you hire in contractors or have one or more employees on your books then employers’ liability insurance is essential.
Check before you buy…
• Read the policy documents thoroughly before you buy. Check the excess payable and read the small print so you’re aware of any restrictions or exclusions.
• Have you included or excluded any optional extras, such as tool cover? If you don’t need it, get a policy that doesn’t include it as standard – it could significantly reduce your premium.
• Think about combining your policy with business vehicle insurance, which could qualify you for a discount and optional extras such as breakdown cover.