A lot of people in the UK are self-employed or have their own businesses. These businesses can be involved in lots of various types of activities from builders to cleaners from scaffolding to book-keepers. The compensation culture of the present day means that all businesses owe it to themselves to ensure that their public liability insurance is not only in place but is also sufficient should the worst ever happen.
If you are a one man/woman operation you need to have a Public Liability policy to cover you whilst you are undertaking your work. The policy will provide cover for damage to Third Party property or person(s) for which you can be held responsible for.
Obviously if you employ anyone then you are legally required to cover those employees against injury for which you are also responsible, this is essential when carrying out your companies trade.
Areas of concern are when people use sub-contractors / labour to help them undertake certain jobs that may need some additional assistence, cover for these people needs to be looked at very carefully as although they may have their own seperate cover they are possibly working under the direction of the company employing their assistance and if something happens to them whilst doing that job it is you they will be looking at for recompense.
It is also worth considering that if the sub-cotracted labour has no policy or their policy has lapsed then if an incident happens the customer will be looking not to them but to you for possible claim.
So, in conclusion, we are advising you seek help from ourselves and we can guide you as to the cover you need, don't try and cut corners with regard to your employees or sub-contractors because you could get into very expensive waters.
For your Liability requirements and sound advice give me a call on 01603 403637 Philip Beckett.
In our next Blog we are going to tackle Professional Indemnity Insurance.
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