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Public Liability Insurance

Public Liability Insurance is available for limited companies, partnerships or sole traders. Our website provides full public liability cover for your business for a reasonable insurance premium with no hidden extras – simply browse our website to see our great value insurance deals and find out more about what we have to offer you. However, if you prefer or need some help please call us.

You will need public liability cover if you are operating as a business in the UK to make sure you are adequately covered in the event of a customer, or a member of the public wanting to make a claim against you. This might arise if they suffer personal injuries or damages to themselves or their property whilst at your premises or at an event where you are working (or if you are providing a service at their property). This type of insurance has an option to cover your employees whilst they are working at, or away from your premises. As compensation claims can also arise from liability claims, it is necessary to make sure you a sufficiently covered should someone wish to make claim as it can be a very costly legal process.

Thanks to the service provided by our company, public liability insurance is much cheaper than you might think and is certainly much cheaper than trying to pay all the compensation money yourself from your own pocket. The cost of your premium will depend on the type of business you have and the services you provide, any existing or previous claims and the limit of indemnity you will need (this amount is the maximum pay-out in the case of a claim and usually starts at around £1m to £2m). You can get a quick quote from us online, so you can find out straight away how reasonable your insurance premium will be when you choose us as your insurer.

It is essential that you have the right level of public liability cover in place and here at Top Insurance Services, we are on hand to help you find the right policy for you. You never know when an accident or damage might occur, so it is always best to be prepared Please do not take the risk of leaving your business vulnerable to liability claims – make sure you get covered today so that you will be protected should the worst happen. Even though public liability insurance is not a legal requirement, you will need to think about the risk to your businesses’ reputation and your own financial security when it comes to an insurance claim against your company.

Public Liability Insurance can be purchased quickly and simply from the expert team at Top Insurance Services. To arrange your general and or professional public liability insurance policy, please call us on 0121 628 9494 and one of our team will be happy to help you. You can also email us at info@topinsuranceservices.co.uk and we will get back to you as soon as possible to discuss your requirements. Top Insurance Services is based in Birmingham and our policies are available to businesses and sole traders across the UK.


General and or professional public liability  policy,


An events organiser

I am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Best practice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

  • Damages to equipment and property
  • Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
  • Trips and falls, claims made by members of the public
  • Volunteers and Staff issues
  • Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

  • Cancellation cover,
  • Employers Liability
  • Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability


Tradesman with any number of employees

I am a Tradesman with any number of Employees:

  • A Builder (Commercial or residential)
  • An Electrician
  • A Plasterer
  • A Plumber
  • A Roofer

There is no legal requirement for you to have this insurance cover, however your clients may want you to have it before awarding you a contract or even allowing you access to the site.

Best practice:

Whether you are a commercial or residential tradesman due to

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery
  • working at heights
  • working below ground
  • digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such the industry generally recommends that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public.


Public Liability


Tradesman commercial or residential preoperties – no employees

I am a Tradesman (Commercial or Residential) with no Employees:

  • A Roofer
  • A Builder
  • A Plasterer
  • A Plumber
  • An Electrician

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Best practice:

Whether you are a commercial or residential tradesman due to

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery,
  • working at heights,
  • working below ground level,
  • digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such the industry generally recommends that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability


We are a limited company

  • We are a limited company with one employee, the director only, or
  • We are a large company with several employees
  • Offering products and or services to other businesses or to the public
  • The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Best practice:

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

  • Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability


Self employed with no employees

I am Self Employed, Sole Trader, with no Employees:

  • I offer products and or services to other businesses or to the public
  • The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Best practice:

The industry generally recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability


Who needs Public Liability

This cover is not a compulsory requirement by law but it might be a contractual obligation requested by your customer before allowing you entry into their premises to perform the contracted work.

I am Self Employed with no Employees:

  • I offer products and or services to other businesses or to the public
  • The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Best practice:

In general the industry recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public LiabilityWe are a Limited Company:

  • We are a limited company with one employee, the director only, or
  • We are a large company with several employees
  • Offering products and or services to other businesses or to the public
  • The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Best practice:

In general, the industry recommends that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

  • Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public LiabilityI am a Tradesman (Commercial or Residential) with no Employees:

  • A Builder
  • An Electrician
  • A Plasterer
  • A Plumber
  • A Roofer

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Best practice:

Whether you are a commercial or residential tradesman due to

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery,
  • working at heights,
  • working below ground level,
  • digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such the industry recommends that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public LiabilityI am a Tradesman with any number of Employees:

  • A Builder (Commercial or residential)
  • An Electrician
  • A Plasterer
  • A Plumber
  • A Roofer

There is no legal requirement for you to have this insurance cover however your client’s may want you to have it before awarding you a contract or even allowing you access to the site.

Best practice:

Whether you are a commercial or residential tradesman due to

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery
  • working at heights
  • working below ground
  • digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such the industry recommends that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public

Public LiabilityI am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Best practice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

  • Damages to equipment and property
  • Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
  • Trips and falls, claims made by members of the public
  • Volunteers and Staff issues
  • Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

  • Cancellation cover,
  • Employers Liability
  • Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public Liability


Who needs Public Liability Cover

This cover is not a compulsory requirement by law but it might be a contractual obligation requested by your customer before allowing you entry into their premises to perform the contracted work.

I am Self Employed with no Employees:

  • I offer products and or services to other businesses or to the public
  • The public may visit my premises

There is no legal requirement for you to have this insurance cover.

Advice:

However, it is advisable that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you or against your firm.  If successful the compensation award could be substantial and more than likely put a strain on your finances. Furthermore, the award may have to be met from your own personal wealth.

Should you in the future employ someone to work for you then you need Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public Liability

We are a Limited Company:

  • We are a limited company with one employee, the director only, or
  • We are a large company with several employees
  • Offering products and or services to other businesses or to the public
  • The public may visit our premises

There is no legal requirement for you to have this insurance cover.

Advice:

It is advisable that you take out cover against unforeseen circumstances which could put your business at risk should a claim for compensation be made against the company or any of its employees.  If successful the compensation award could be substantial and more than likely put a strain on your company’s finances threatening your company’s existence and the future prospects of its employees. However, you need Employer’s Liability Insurance which is required by law.

  • Employers Liability Insurance, covers your company should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability

I am a Tradesman (Commercial or Residential Premises) with no Employees:

  • A Builder
  • An Electrician
  • A Plasterer
  • A Plumber
  • A Roofer

There is no legal requirement for you to have this insurance cover however your client may want you to have Public Liability Insurance  before awarding you a contract or even allowing you access to the site

Advice:

Whether you are a tradesman working on commercial or residential properties due to:-

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery,
  • working at heights,
  • working below ground level,
  • digging trenches with the potential hazard of not knowing the whereabouts of power cables, drains etc.

Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you cause damage to their own property or injure their personnel or customers. Accidents and mishaps do occur in your field of work and as such it is recommended that you buy, for your peace of mind, Public Liability Insurance Cover.

This policy will cover you against unforeseen circumstances that could put your business and personal wealth at risk should a claim for compensation be made against you.  If successful the compensation award could be substantial and more than likely will put a strain on your finances, threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, should you in the future employ someone to work for you, then you need Employers Liability Insurance which is required by law

Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working away at your customer’s premises as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.

Public Liability

I am a Tradesman with any number of Employees:

  • A Builder (Commercial or residential)
  • An Electrician
  • A Plasterer
  • A Plumber
  • A Roofer

There is no legal requirement for you to have this insurance cover however your client’s may want you to have it before awarding you a contract or even allowing you access to the site.

 

Advice:

Whether you are a commercial or residential tradesman due to

  • the physical demands of the work involved,
  • the extensive use of power assisted equipment and machinery
  • working at heights
  • working below ground
  • digging grounds with hidden power cables, utility ducts, water gas or sewage.

Accidents and mishaps do occur in your field of work and environment and as such it is recommended that you buy for your peace of mind a Public Liability Insurance Policy. That will cover you against unforeseen circumstances which could put your business at risk should a claim for compensation be made against you personally.  If successful the compensation award could be substantial and more than likely put a strain on the your finances threatening your livelihood and your personal assets. Personal assets include your own home.

Furthermore, Public Liability Insurance protects you against compensation demands, when you are working at your customers’ premises should you or any of your employees cause damage to their own property or injure their personnel or customers.

As you are an employer you need Employers Liability Insurance which is required by law.

Employers Liability Insurance, covers the company should any member of its staff suffer an injury in the workplace or away from the workplace at customer’s premises as a result of their work or duties. This cover does not replace Public Liability Insurance and it will not cover the public

 

Public Liability

I am an Events Organiser:

Such as Indoors or outdoors, exhibition, show, market or fayre.

Advice:

Due to various tasks involved in organizing an event and the potential of things going wrong such as:

  • Damages to equipment and property
  • Injuries and illnesses to Entertainers, Exhibitors, Speakers, Sub-contractors, and Suppliers
  • Trips and falls, claims made by members of the public
  • Volunteers and Staff issues
  • Reduced attendance or Cancellation of events due to weather conditions

Public Liability Insurance protects you against compensation demands which arise as a result of and in connection with the event. This policy can be tailored to add

  • Cancellation cover,
  • Employers Liability
  • Property Damage

If you employ someone to work for you whether full time or part time, then you need  Employers Liability Insurance which is required by law.

  • Employers Liability Insurance, covers you should any member of your staff suffer an injury at your workplace or while working at the venue as a result of their work or duties. This cover does not replace Public liability Insurance and it does not cover the public.


Public Liability


What does it cover

Public Liability insurance covers injury and damage claims brought against your business, these could have happened at your own workplace, or at a customer’s workplace as a result of work your business is undertaking. Readmore..