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Public Liability Insurance |
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Public Liability Insurance / employers Public liability insurance quotes for builders, allied tradesmen and other small businesses - to 10 workers in low risk trades. Online quotes are available for some high-risk occupations (scaffolders, roofing contractors, welding, steel erectors etc) for up to 5 workers |
Public Liability Insurance - General Public liability insurance for those commercial risks that don't meet the description to the left. For those risks where the estimated premium will be in excess of £700 and where combined PL/ CAR is required. |
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Professional Indemnity Insurance ( E & O) Unlike public liability insurance (which is mainly actions) PI insurance deals with advice. We can quote professional indemnity insurance terms for many occupations - but not online - you can either print off a form or we can send one to you for completion. |
Legal ExpensesAs well as public liability insurance, in business you may have need of legal help - our legal expenses insurance can cope with employee disputes, contract disputes and tax investigations amongst others. |
Inflatable Play equipmentPublic Liability insurance for operators of bouncy castles and other similar equipment - including rodeo bulls, inflatable slides etc. Employers liability insurance can be added as well as the equipment itself. |
Mobile CateringPublic liability insurance and employers liability insurance for operators of mobile catering vehicles of al descriptions. Includes food poisoning amongst other cover. |
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Event Insurance for Exhibitors Public liability insurance for people organising indoor and outdoor events - with the opportunity to cover hired in equipment and cancellation costs. |
Public liability insurance for people who organise a series of events through the year. the premium depends on the number of events. Employers liability insurance is available. |
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Quotes for public liability insurance and property cover / cancellation for people organising shows |
In view of the high-risk nature of injury to the public, we cannot offer quotes online for public liability insurance for shows with fireworks - rates will be quoted on submission of an application form |
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Cleaning Contractors Liability Insurance We are continually extending our range of public liability insurance schemes. This scheme is currently being researched |
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Public Liability Insurance in
today's litigious society is more important than ever. Although not yet
at America's levels, more and more people, instead of accepting that
loss or damage can happen by accident, are encouraged to believe that it
must have been through someone's negligence - with the result that they
sue- hence the need for public liability insurance. Although the demise of some firms actively pursuing compensation
claims on behalf of the public has been well documented, the arrival of
'no-win no-fee' agreements and legal expenses cover 'after the event'
has meant that access to the courts has never been easier. This ease of
access, together with the perception that judges will award compensation
in virtually every case - almost irrespective of liability - assuming that the business will have cover so
that 'no-one loses' - of course this is not the case as the insurance premiums
insurers charge have to be increased to meet these claims - this means
that the businesses have to charge more to meet these increases so
eventually the customer pays for the awards.
Employer Liability Insurance is, of course compulsory for any firm that employs people (unlike public liability insurance). Due to the increase in duties imposed on employers and the rights given as well as ease of access to compensation, a similar increase in claims has arisen with the same result as above - premiums have increased and businesses have to increase their prices to pay for the costs. Recent changes in law, however mean that a company with only one employee, who also owns 50% of the firm need not have employers liability insurance. Professional Indemnity Insurance in essence covers your advice rather than your actions. Many professional people will have a minimal risk of claims arising due to their actions - and public liability insurance premiums are cheap (see our quotes), but may be liable if their customers suffer loss due to their giving bad advice. A good example of this is in Financial Services where many people were recommended endowments as a way to pay of their mortgage (and a surplus), without being made sufficiently aware of the risks involved. It can be argued that these claims are arising as a result of poor stock-market returns since 1999 coupled with the dotcom crash and low interest rates, and it does seem surprising that compensation is being paid before the actual loss is sustained. B. Portwood & Co Ltd have access to a wide range of different public liability insurance policies suitable to meet the demands and needs of businesses needing this form of cover. Whether you are a sole trader, a small contractor or business or engaged in high-risk activities we can normally find a policy to meet your demands and needs. |
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