Liability Insurance
Public Liability Insurance
B. Portwood & Co Ltd can offer Public liability insurance to provide insurance should you cause injury to or damage the property of members of the public. Our public liability insurance can provide cover of £1,000,000, £2,000,000, £5,000,000 or £10,000,000 and if necessary we can arrange additional insurance cover on top (excess layer).
Employers Liability Insurance
You can extend your liability insurance to cover insurance should your employers be injured during the course of their employment. This liability insurance is compulsory in the UK for Limited Companies (unless you are the sole employee and majority shareholder) or if you employ anyone. Please note that if you use 'Labour Only Sub-contractors' then this insurance is needed as they are 'employed'. If you only use Bona-Fide Sub Contractors then cover is not needed as they are not 'employees' (you should check that their insurance is in order though - this may be a policy requirement.)
Types
Many types of policy provide liability insurance in one form or another - some are very specialised.
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Small contractors: Building and Allied Trades, Per capita rates to 10 employees. Obtain your liability insurance quote by clicking here
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The catering industry - mobile caterers, sandwich suppliers etc. Click Here for more
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Amateur Football Clubs - included as an option in a personal accident policy. Click Here
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Self- Build - building your own house? Click Here - for further details
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Professional - To cover your professional negligence rather than your actions.
A Note about excesses
Unless stated, any excess that appears on our quotation system will be 'third party property damage' - i.e. it will only apply to claims made for damage to other people's property. The excess will NOT apply to personal injury claims, nor to claims made by your employees. We are aware of at least one company in this market where the excess applies to ALL claims - so the cover provided is substantially worse. On our contractor's policy, many of our excesses are only £100 - again many companies are offering reduced rates based on a substantially higher excess - even for low risk trades!
For more information on liability insurance please call us on 0191 4772231
