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Public liability insurance is essential cover. If you’re a business owner, you know how important it is to have all of your bases covered. After all, it’s impossible to know what the future has in store. That’s why protecting your livelihood with a personally tailored public liability insurance policy is essential. The right cover will keep you safe and flourishing, whatever is around the corner.
At constructaquote.com we specialise in smart, tailored public liability insurance policies which fit your business like a glove. When your cover fits your business perfectly you not only enjoy the peace of mind that comes with comprehensive protection, you also make savings on those superfluous extras and add-ons that you just don’t need.
If you’ve answered yes to any of these questions, you need public liability insurance cover.
The public liability insurance quotes you receive vary depending on the trade you are in. Our premiums start at just £40. In many cases a public liability insurance quote may be higher. For example, a carpenter may pay £80 and a plumber can pay as much as £200-£400 due to heat and water exposure. If you use any form of dangerous equipment, the quotes you receive will vary.
The limit of indemnity on this kind of policy starts at £1,000,000. After this, the limit required for your business depends on the type of work you carry out. Around 30% of our clients have a £2,000,000 limit and some have a £5,000,000 limit. This higher limit is usually in place to satisfy a contract clients may have with a council or government body.
Public liability insurance may be vital, but it isn’t compulsory by law. Employer’s liability insurance, however, is. The Health and Safety Executive has the power to prosecute you if you have employees working for you and no employers’ liability cover. This could leave you vulnerable to fines of up to £2,500 per day, for each day your employees are not protected.
constructaquote.com build insurance quotes designed to fit your company and your budget. We work with Aviva, Covea, Groupama, Ageas, Arista and more to ensure you find the most best public liability insurance quote. To learn how to find the most competitive quotes available for your business, take a look at our FAQs page or simply fill in our online quote form and you will receive your own personalised quote in a few quick and easy steps.