Liability insurance quotes cover three main types of insurance. They are employers, products and public liability insurance policies.
To obtain a quote, you will need to approach a business insurance broker, as opposed to one that offers house, travel and car cover.
Business insurance can be a complex animal to understand. What we do not mean is that the policies are unreadable, but that there are so many different types of terms, conditions and excesses applicable.
You can obtain public liability on it’s own, for example if you are a builder, plumber, electrician etc, the reason being that this is the only type of liability cover that you actually need.
Getting employers or products liability on it’s own, or in isolation, is more difficult and there are few insurers that will offer this. They will normally need you to confirm to them why it is that you only want one out of the the three covers.
Public liability is, your responsibility (or what you could be liable for) at law for damage to third party property (ie the plumber burning down your house) or persons (ie if the same careless plumber dropped a hammer from the loft and hit you on the head). The key thing is here, you have to be legally liable. Someone is paying you to undertake a service or to do some work for them. If you damage their property or injure them, you could quite easily face a lawsuit.
It is of course rare for this to go to court, but the bigger the cost of the damage, then the more likelihood there is of a claim. They are “once in a blue moon events”, but the last thing you want to do is be faced with a bill for hundreds of thousands of pounds for re-building a property.
Get yourself protected, get adequate liability insurance now.