Professionals Public Liability

Your Public Liability Insurance policy will cover your legal liability to pay damages in the event of a third party (member of the public) sustaining bodily injury, death or damage to their property or person as a result of your business activities.

Tradesman Insurance

Helps the tradesman defend themselves against any allegations or wrong doings to a third party and in the event that it is proved that the tradesman was indeed negligent, and had either injured or caused damage to another the Public Liability Insurance would pay damages awarded up to the level of the cover the tradesman has chosen.

Employers Liability

This is a legal requirement for all employers. The Employers Liability (Compulsory insurance) Act 1969 sets out a minimum level of Employers Liability required currently at £5,000,000 (although most insurers offer £10,000,000 as standard cover).

Public Liability Insurance - Typical Areas of Exposure

There are now many areas where your business can get exposed to risks. Public Liability Insurance helps protect you against these types of claims, for example your liability policy can cover you for the following:

• Injury to any person
• Loss of or damage to property
• Obstruction, nuisance, trespass or interference with rights of way, air, light, water or others.
• Wrongful detention, imprisonment, eviction, arrest, or invasion of the right to privacy.

The standard policies usually extend to cover UK , Northern Ireland , the Channel Islands and the Isle of Man , although we can place cover 'Worldwide' including USA and Canada with UK jurisdiction and in some cases we can place public liability risks with worldwide cover outside the jurisdiction of the UK .

A public liability policy can extended also to cover such events as:

• Health & Safety at work - legal defence costs
• Motor contingent liability
• Movement of obstructing vehicles
• Leased, hired or rented premises
• Cross liability
• Car park and Cloakroom liability - i.e. where a car or personal belonging of a person are held in trust by you or in your custody or control
• Data Protection Act - liabilities arising under the Data Protection Act to pay compensation for damages or distress
• Consumer Protection Act - legal costs & expenses
• Bona-fide - sub-contractors
• Defective Premises Act
• Product Liabilities
  

So a Public Liability policy clearly help you or your business protect against a vast number of possible exposures.

Last modified: Wed August 10 2016 01:09:33 PM

Public Liability Insurance

Professional Insurance Agents Ltd. is a company registered in England and Wales with company number 3012122.
Lion Works, Sidley Road, Eastbourne, East Sussex, BN22 7HB, UK

Professional Insurance Agents Ltd (also t/a Business Insurance 247) is authorised and regulated by the Financial Conduct Authority details of such authorisation can be checked on the FCA’s register at www.fca.org.uk under reference number 305328. Registered in England Company Number 3012122. Licensed Credit Broker No 390031.