Public Liability Insurance
We specialise in providing public liability
insurance for a range of trades and
small business's. If you are just looking for a
straight forward public liability policy then great - just choose
your policy via our comparison site. If you need to add on
additional cover, such as employers liability or
tools cover you can do this online as well. We
want to give you the chance to tailor your own public
liability policies, so you are only paying for the cover
you need.
Tradesman Insurance
If you are a sole trader or running a small business and need to
get a liability policy fast, you
have come to the right place.
We offer tradesman insurance policies for builders, plumbers,
electricians, carpenters, gardeners plus many more.
Go through our comparison site and tailor your
own policy by choosing the options which best fit your
business. Our tradesman policy can include employer’s
liability, tools cover and Contract works.
Tradesman
liability insurance
Struggling to find Tradesman Insurance?
You may be looking for something from a policy that some
providers can’t or won’t cover you for. What if you need higher
levels of cover for your tools, or you work in a very specific
trade?
At YOUR Insurance, we have a team which goes out there and
sources the policy you need. Give us a call on 0800
107 8949 and let us source the insurance for you.
Landlord Insurance
We offer property owners the ability to compare quotes and buy
online. Whether you rent out your property to residential tenants
or to commercial clients – or even both, we can source the
insurance for you.
Landlord
insurance
If you own a number of properties but don’t have time to go
through our online quote journey then let us do the work for
you. Call us now on 0800 107 8947.
Small Business Insurance
YOUR Insurance provides insurance packages for small
businesses. If you are a self-employed and work from
home or you are a sole trader visiting clients, or even have a team
of people working for you, we can help you with your business
insurance needs.
Our small business insurance packages can
include employer’s liability, business
interruption and even cover for equipment or
stock. Let us source a policy for you through
our panel of providers. We will always work to get you the
cheapest deal we can as long as your insurance
needs are covered.
We also provide small business insurance policies for hotel,
restaurant, pub & guest house owners. You can get
quotes online and compare prices from our panel of
providers. If you are unsure about buying online,
just speak to one of our specialist business advisors on
0800 107 8949.
We offer the following policies both online and over the
phone.
What is Public Liability Insurance?
Public Liability Insurance exists to protect every one of us. If
someone visiting your business is injured, or their property is
damaged, they may make a claim against you. You can also do the
same if you are involved in an accident whilst visiting a public
place or other business premises. Public Liability Insurance covers
your business against claims made by any third party except your
employees (your business needs Employers’ Liability Insurance to
protect against that).
Who needs Public Liability Insurance?
If you deal with third parties as part of your usual business
activities, it is important to consider the benefits of Public
Liability Insurance. If you have visitors to your business premises
or if you or your employees go to customer premises to carry out
your work activities, Public Liability Insurance provides valuable
protection against the cost of an accident.
Public liability insurance is not a compulsory policy
however it is strongly recommended for all businesses that have
customers or other members of the public visit them or if you visit
their property. Even if you work from home, this insurance is
required if you provide services or goods to businesses or the
general public.
What does Public Liability Insurance protect against?
With this policy you could be covered against injury or damage
claims made against your business, whether they occurred at your
premises, or anywhere else you were carrying out your business.
Most policies will cover legal fees or other expenses incurred, as
well as hospital treatment you may be found liable for.
Public Liability Insurance could provide financial protection
against a broad spectrum of potential claims.
- If a visitor to your business premises is injured on site
- If one of your employees injures a third party whilst working
for you
- If damage is caused to property as a result of your business
activities
Is Public Liability Insurance compulsory?
No, however it is worth considering that over £1billion is paid
out in Public Liability Insurance claims every year, providing
valuable financial support to businesses. Claims can cost
thousands; and some clients may demand a minimum level of Public
Liability Insurance cover before they can consider working with a
particular business – even if you usually work from home. For
advice on the amount of Public Liability Insurance appropriate for
your business, speak to an insurance professional.
What’s covered?
- Third party property damage
- Personal injury
- Legal or medical fees may also be covered
