Public Liability Insurance Get a Quote

At Key Insurance Group we work hard for you. We aim is to give you the right insurance cover at the right price. We compare low cost policies from the UKs leading insurers, including AVIVA, AXA, FORTIS, MMA, Allianz, Zurich, Groupama, RSA, NIG and a lot more than this. We get our rates directly from them and the quality and size of our chosen partners means that this is never at the expense of good cover or reliability – making sure you get the public liability insurance policy that meets your needs.

But why is Public Liability cover essential for your business?

We all like to do a good job don’t we? But what happens if things go wrong? Even when a business does everything right there is always the chance of an accident happening – and it’s in these sort of circumstances that your Public Liability cover could apply.

No one would ever want to deliberately hurt a member of the public or damage their property but in some occupations, like construction, the chances of this happening are greater than the norm.

KeyNote:- Try to reduce the chances of a claim by managing your work properly and reviewing Risk Assessments and Method Statements where appropriate.

With the right insurance cover, a business can operate knowing that should the worst happen, their customers' property could be repaired, their possessions replaced and their medical costs paid for.

KeyNote:- Most polices exclude cover for the item that is being worked on but some insurers will provide this cover for an additional premium.

This type of insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities and if that person made a claim for compensation. The insurance would cover the compensation, up to the policy limit of indemnity, plus any legal expenses agreed.

KeyNote:- Cover only applies for the Business Description shown on the policy schedule. You need to make sure that this covers all the work you undertake.

Our policies are usually tailored to the individual business however as a guide, the insurance covers a business's legal liability to pay damages to members of the public for death and injury or damage to property or possessions, which has resulted from the business's activities.

KeyNote:- Many package polices restrict the types of places where you can work. Make sure all the premises you work on are covered.

For example, if you employed a roofing company to re-tile your roof but they didn't use adequate weather protection, resulting in severe water damage, you could make a claim against them for compensation to pay for repairing the damage. Public Liability Insurance ensures that the company can meet the cost of the claim, along with any legal expenses.

KeyNote:- Always make sure the business you use has public liability insurance and ask to see their policy schedule.

Any business that has visitors to its premises or involves work on client sites needs to think seriously about holding public liability insurance.

For a Tradesmans' Laibility Insurance Quotation please complete the form below. This will give you an indiactaion of a premium and someone from our office will contact you to make sure that the quotation suits your needs before cover is effected. For other type of business please call us on 0845 0616553. 

 

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