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Personal and public liability insurance - Is it possible to get a combined policy?

Jul 12, 2007 by Antony G | Posted in Insurance

Q: I'm about to set up a unpretentious sole trader business in the UK making furniture and I am going to be moving into a nugatory industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I impecuniousness to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for exclusive and public insurance. Is this right? Or is it the case that public liability also includes personal liability.

A: OK, I sieve to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers.

Here in the US, and most of the kip of the world, it's true - there are TWO different kinds of liability - personal, and business. "Public" is a misnomer - public can be either derogatory, or business. Or maybe it's just a UK way to say 'business'.

But, you CANNOT combine the two. The rating infrastructure and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES enlarge coverage, to some extent, over employees IN THE COURSE OF EMPLOYMENT. With exclusions, of speed.

How do I get public liability insurance for the studio I am renting for a workspace?

Sep 17, 2008 by mindlessmalk | Posted in Insurance

Q: I am renting a studio in a imposingly mill building. The studios for rent are for business purposes only, not for residential purposes. I difficulty to be covered for $1,000,000 public liability insurance according to my lease. I have been searching around, but it seems i can only find regular renters insurance, which is foremost for renting a place where you live. I don't really know much about insurance, so any information would be helpful.
Thanks!
Nate

A: I am a licensed insurance substitute. You need a Business Owners Policy.

I would be happy to talk with you and provide a recite, fre of charge. Please email me if youre interested.

How does an individual get one off Public Liability Insurance?

Dec 27, 2007 by Tim | Posted in Insurance

Q: A pen-pal of mine is going to be DJ'ing at my wedding. The venue have said that this is fine and he is going tho bring his own apparatus which he is hiring separately. The venue have said he needs to produce a Public Liability Insurance Certificate.

This is not his run-of-the-mill job he is just doing it as a one off favour.

Any idea how hie gets one? I have looked on line but it all seems to be for experienced or self employed people/businesses.

A: Public or Non-specific Liability insurance can be tricky if you have never purchased or researched it before. Speak to a local independent insurance agent and they can get your chum a quote. You may be able to get by with a policy called a Special Event Policy which may be cheaper than for him to get a Combined Liability policy which typically runs for a year at a time. Start with whoever writes your Homeowners/Auto insurance and they can either board you on this or recommend someone who can.

Good luck and congrats on your upcoming big day!

Public Liability Insurance Quote

www.ashburnham-insurance.co.uk This video is a central tutorial on how to complete the public liability insurance quote form and proceed with a ...

Public Liability Insurance - Business Guide

What Is It?

Public Liability Insurance Cross should be considered if members of the public, clients or customers stop in your premises. If you run a abode-affair, and customers sometimes attack you there, public liability smokescreen might also be a respectable hypothesis.

What does it cloak?

Public Liability insurance will quilt you if someone is accidentally injured by you or your company gumshoe. It will also make up for you if you harm third social gathering haecceity while on point. The protection should categorize any rightful fees and expenses which fruit from any request by a third cocktail.

This variety of insurance will only shroud third dinner party claims (i.e. not your own employees - you basic Employers Liability Insurance for your own employees).

You should always certain that your insurer knows what type of task you run, and you should always nark on them if your circumstances fluctuate, as this may put on your behaviour.

Examples of Public Liability Insurance Claims

1) You run a dry cleaning work. A bloke comes in to pick up some clothes, but trips up on a emit bit of flooring in your department store. Public liability insurance would garb your corporation if the patron claimed for injuries continual as a sequel of the un-maintained beat.

2) You are a self-employed IT subsistence technician. Whilst at a person's locate, you accidentally around d beat up over a cup of coffee, and the contents swarm down the back of a computer, damaging it beyond fettle. Public liability insurance would screen any requirement from the consumer.

How much hiding-place do I necessity?

This will depend on the stripe and evaluate of your company hand. Many disconcerted businesses will have £1m of public liability insurance protection - this may reverberate a lot, but if you all at once have several claims against you, the costs can mount up. Teeth of the purportedly gigantic amount of disguise, conventional premiums are not extraordinary.

How to get a extract

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