Self Employed Public Liability Insurance

 

Depending on the business and how you trade, you will be required by law to take out certain types of insurance.

 

Other types of insurance are not compulsory but it is important to consider which ones are appropriate.

 

The types of insurance you may need are:-

 

employer’s liability insurance. If you employ other people you must have this insurance. It provides cover for claims made by employees who are injured or become ill as a result of their employment

 

vehicles insurance. Vehicles used for business purposes must be insured even if already insured for private use

 

public liability insurance. This provides cover against claims by members of the public who have been injured or had property damaged as a result of carelessness at work by you or your employees

 

premises insurance. Insurance will be necessary for the premises you work from, even if you work from home and there is already a policy. This is because the insurance will usually only cover residential use

 

contents, stock and materials insurance. This insurance will be necessary to cover the replacement costs of stock, materials and the contents of the premises even if is work is being done from home and there is already a home contents insurance policy

 

health and accident insurance. These will pay a regular income or lump sum if you are unable to work because of an accident or sickness.

 

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Professional Indemnity Insurance

 

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