Public Liability Insurance
B Portwood & Co Ltd can offer public liability insurance for contractors and self employed. We have a public liability insurance quotation system for online quotes. We can quote public liability insurance for businesses in the UK and Northern Ireland.
As well as public liability, we can quote for employers liability. Our public liability can also be extended to include: personal accident benefits, tools and contractors all risks.
For actions in your personal capacity: public liability insurance for your actions in a personal capacity is usually covered under your home contents policy - but you should check this.
Public Liability insurance - obtain a quote
Sums Insured
A key public liability insurance rating factor is the sum insured. Typical sums insured under public liability start at £1,000,000. We can quote rates for public liability with £2,000,000 , £5,000,000 and £10,000,000. If you need it you can take out another public liability policy for higher sums insured. These are usually called 'excess of loss' and the cover will be for an amount 'in excess of' the sum insured on the standard policy. e.g. for £50,000,000 cover you culd take out public liability insurance for £10,000,000 and then have an excess of loss policy for £40,000,000 in excess of £10,000,000.
Common Law negligence
Claims made arising from public liability are 'civil' rather than criminal, which means that awards can only be of a pecuniary nature - and public liability insurance protects you from them. Of course a criminal offence may have occurred as well e.g. breach of health and safety legislation.
In order for a claim of negligence to arise it is not sufficient for a loss to be established. The rules are:
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The defendant must owe a duty of care to the plaintiff
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The defendant is in breach of that duty of care
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The plaintiff must have suffered a loss
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The loss must be due to the breach of duty.
The provider of your public liability will often appoint solicitors to defend their clients as the costs that can be awarded (especially if personal injury) can run into thousands if not millions of pounds.
Rating Factors
Premiums for public liability insurance depend on the type of business - a roofing contractor for instance is more likely to be claimed against (e.g. by someone falling from a roof!) than, say, a florist. However public liability premiums take into account the size of the business. For larger firms public liability premiums are based on Turnove (public liability) and wages paid to employees (Employers liability insurance). The premium for public liability for the self employed and smaller trader, however, are now frequently based on the number of workers/ employees, which makes the premiums easier to work out.
Quotations
We can now provide online public liability insurance quotes for many trades. For the smaller contractor we can provide an instant indication and we also provide a form to allow the larger contractor to request terms.
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Public Liability insurance Quote |
Contractors All risks
Some insurers allow a public liability insurance policy to be extended to include contractors all risk. The public liability insurance policy is extended to cover: contract works, hired in plant, own plant. Click here for our contractors all risks rates.
If you want more information on public liability please ring 0844 8262618 and we can discuss your needs further.