Why do I need Liability Insurance
If you’re working within the joinery trade then you will know that there are definite risks involved, every single time you do your job. Without wanting to sound cynical, there is almost a sense of inevitability to needing Public Liability Insurance at one stage or another. The longer you are in the trade the more likely it is that you will experience a need to use joiners insurance, because accidents do happen.
If something really expensive gets damaged because of work that you or one of your employees are carrying out, then meeting the costs of such an accidental occurrence could potentially put you in a position where you don’t have enough money to continue with your business. everyone knows, for instance, that legal fees can quite easily start running into tens and hundreds of thousands. There is a lot to be said for the peace of mind that you get when you are covered by proper joiners insurance.
Because of the fact that you are working in environments where there are members of public that you have to watch out for, and other types of tradesmen that you are working alongside, it is important that you and your company are covered by a good joiners Public Liability Insurance policy. Any personal injury compensation, resultant of your company’s actions, will be met by your insurers.
Another important thing to be mindful of is the cost of your tools, or more so, the cost of replacing them. It is a known fact that equipment can get stolen from big building sites, and that certain incidents can cause your equipment to become damaged. Imagine not being able to get on with your job because you couldn’t afford to replace a particularly expensive piece of equipment – you’d hate to be ground to a halt by the fact that you didn’t have insurance, wouldn’t you?
Employers’ Liability Insurance policy
And when you or your employees are driving your company vehicles, a good joiners insurance policy is going to help you out if any of your vehicles accidentally cause damage in any way. Making sure that you and your employees and the public are protected is a major benefit of joiners insurance that will help you feel a lot more secure about your business.
It is relatively easy to find a good joiner’s public liability insurance policy, just as long as you are prepared to do your research. Use the various comparison website, and all the websites that offer free quotes, and find a company that is prepared to speak to you and to offer you a deal that combines top-level protection with a good honest premium charge.