The Public Liability Insurance Blog

Property damage is top small business claim for 2012

smashed windowYOUR Insurance is urging small business employees and trades people to take care when on third-party premises after finding property damage caused by poor workmanship was its top claim for 2012*.

The top five property damage claims were;

  • Escape of water
  • Spillages and dropped tools on carpets, flooring, turf, furniture and work surfaces
  • Nails through pipes, severed gas mains and electric cables
  • Smashed windows and televisions
  • Cracked bathroom fixtures and fittings

Public Liability insurance covers third-party property damage and although not compulsory, YOUR insurance says it’s likely to receive 13 times** more claims for this, than the mandatory Employers Liability cover.

YOUR Insurance Marketing Manager, Annie Plaskett, comments: “Carelessness appears to be behind the majority of these claims, and although this is not indicative of all small businesses and trades people, it is a worrying trend. We also saw cases of damaged vehicles, fires caused by faulty workmanship and even a run-over dog. Most bizarre was damage caused by a tradesman’s cat.”

To find out more about Public Liability and other small business cover, visit or phone 0800 107 8949.


Notes to Editors

* YOUR Insurance 2012 claims figures – 236 Public and Employers Liability claims. ** 219 PL and 17 EL claims. 219 divided by 17 = 12.88

YOUR Insurance was set up in 1997 as a specialist online business insurance provider, sourcing cover via a panel of market-leading insurers.

YOUR Insurance is part of Towergate Underwriting Group Ltd - Europe's largest independently-owned insurance intermediary offering over 200 specialist insurance products. It’s authorised and regulated by the Financial Conduct Authority.

Media Enquiries

Annie Plaskett, Marketing Manager, YOUR Insurance, T: 01483 448741 or E:

Francesca Breeze, Freelance Journalist/PR Consultant, T: 01273 421115, M: 07710 963838 or E: