The Details
Public Liability Insurance & Employers Liability Insurance
Insurance Choice provides Liability Insurance with total protection for you and your business in the event of a personal injury claim or property damage claim from the public or an employee. Our cheap Liability Insurance offers levels of cover from £1,000,000 to £5,000,000 all trades considered, Employers Liability Insurance cover, which is required by law at a level of £10,000,000 as standard. Liability Insurance cover provided for Events, Parties and outdoor activities.
- Public Liability Insurance & Employers Liability Insurance
- Liability Insurance for All Trades Considered
- Low Excesses
- Tools Extension Available
- Temporary Employee Liability Insurance Cover
- Cover for Bona Fide Sub Contractors
- High Risk Trades Liability Insurance and Sites Considered
- Professional Trades Liability Insurance Considered
- Monthly Instalments Available
NB – We are unable to provide liability insurance cover for Northern Ireland.
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Other Information
High Risk Liability Trades
The kind of trades which insurance companies class as high risk are those that are more exposed to dangerous activities or those trades carried out on high risk and high value sites, for example:
- Window Cleaners (using ladders, cherry pickers etc)
- Commercial and Industrial Cleaners
- Hot roofers
- Industrial and commercial Construction firms
- Trades, which operate large plant and equipment or use cranes and towers
- Ground Workers that operate under 1 Metre depth limit
- Scaffold erectors
- Tradesman or firms that work on or operate on high risk sites like
- Commercial sites
- Industrial sites
- Shopping centres
We can place this cover through specialist markets we have access to. Please do not hesitate to contact us to check your trade and obtain a quotation.
What level of liability insurance do I need?
Public Liability - Indemnity Levels
Public liability cover can offer three different levels of cover:
£1,000,000, £2,000,000 and £5,000,000
What levels of cover do I need?
If you are a sole trader who only operates on standard sites, for instance shop, offices, private dwellings, guest houses etc. Then normally a level of £1,000,000 or £2,000,000 would be more than adequate.
If you are working normally on all of the above but have contracts, which also include schools, colleges, residential retirement or nursing homes or government or council properties then they might insist that you have a minimum of £5,000,000 cover. This is set by the council or government as a minimum level for all contractors.
Cover extensions for limits of £10,000,000 or more?
You might occasionally come across contractors or customers that insist on you having more than £5,000,000 as the contract or premises you are working on could exceed this amount or the liability risk to the people that are there rather then the property is much greater. You can purchase an excess layer of liability cover in addition to your standard £1,000,000 £2,000,000 or £5,000,000.
This can be purchased as a one off or an annual policy. For instance if you require £10,000,000 for a certain contract and you only have £5,000,000 we can supply an excess layer for the £5,000,000 at an extra cost. This means your current insurer will cover the first £5,000,000 of any claims but should a claim exceed the £5,000,000 you excess layer insurer will cover any amount which exceeds the first £5,000,000 up to a maximum of the £10,000,000.
The same can apply to £1,000,000 and £2,000,000 purchasing extensions to the required amount.
Employers Liability - Indemnity Levels
The limit for Employers Liability is set at a minimum of £10,000,000 and na>o lower limits can be obtained. Higher limits can be obtained upon request if needed.
