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Frequently Asked Questions - Public Liability Insurance

At Constructaquote.com, we try to answer any questions you might have about the products and services we provide.

If you find that your question is not answered below, please don't hesitate to contact us direct by using the number at the top of this page, by submitting an enquiry form on the Contact Us page, or by getting us to call you via our 'call back' option.

Public Liability Insurance FAQs

Why do I need to have public liability insurance?

It’s essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence resulting in injury to a member of public or damage to property. Failure to do so could result in a legal claim being brought against you and your business for damages in the event of a claim.

How do I get a public liability insurance policy?

Constructaquote.com’s online quote comparison facility means that you simply enter your details once and our panel of selected insurance companies provides competitive public liability insurance quotes for you to select from.

What is public liability insurance?

Public liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any other person, other than employees, or loss of or damage to their property caused by an individual or business. Public liability insurance provides cover against such claims.

What is the limit of indemnity for public liability insurance?

The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required. For this level of cover please call
08081 68 68 68 to discuss your specific needs with one of our dedicated public liability insurance Account Handlers.

What occupations are covered by a public liability insurance policy?

Constructaquote.com is a trading title of Moorhouse Group Ltd which is authorised and regulated by the Financial Services Authority. The Financial Services Authority's Register can be accessed through http://www.fsa.gov.uk/Pages/register Reg No 308035.

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Products & Services

Liability Insurance – This insurance can provide you with employer’s liability and product liability insurance. We offer a highly competitive standard package with optional extras.
Public Liability Insurance – Public liability is essential insurance for many businesses, especially those working closely with the public. We offer cover of £1m, £2m, £5m, or more on request. Only pay for what you need.
Employers liability insurance - If you have employees working for you, you are legally obliged to have employers liability insurance. We provide you with £10m of employers liability so you can rest assured you’re fully covered.
Shop Insurance – Retail insurance is a package of policies covering employer’s liability, public liability, business interruption and building insurance. Retail insurance is important for any business with premises. We offer a range of policies from top underwriters.
Professional Indemnity Insurance – This type of policy protects your business against claims for loss or damage if you are found to have been negligent in your duty. This is particularly important if your company imparts professional advice. Our policies cover businesses for a range of circumstances and are very competitive.
Restaurant Insurance – Our restaurant insurance packages can be tailored to your specific business needs. We provide you with a range of restaurant insurance options, from liability and business interruption insurance, to money and glass cover.