UK Public and Employers Liability Insurance

If you are a self-employed tradesman, your living could be ruined by one simple error. Public Liability insurance is designed to shield you from this, by covering you against damage to property occurring in the course of your trade. Cover can be arranged for up to £10 million, and is now often a requirement for corporate employers.
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If you employ staff, you may not know that it is a legal requirement to take out employers liability insurance, so you and they are protected if they are injured as a result of some act or omission of yours.
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The culture of claiming millions for anything and everything has drifted across the Atlantic and we are seeing huge rises in premium costs for all types of liability insurance. Even more disturbing is the fact that fewer and fewer insurers are offering policies, making it ever harder to get underwiters to cover particular risks.
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An equally frustrating situation is that many councils and organisations are demanding that insurance be in place before their buildings, grounds, playing fields or whatever can be used for the purposes of exhibitions, fetes, parties or whatever. The cost involved in arranging such insurance for a one-off event is totally out of proportion to the actual cost of the cover but I'm afraid that you might be looking at a minimum cost of £100.
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Having spread all of that doom and gloom we are delighted to be working with three of the best providers of liability insurance in the UK.
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Insuredrisks.co.uk is one of the leading providers of online business insurance. Since starting at the end of 2002, the company has issued over 30,000 online policies. Try their link first, answering just 6 simple questions will get you an online quote for either public or employers and public liability. Policies can be bought online and all certificates, policy documents are delivered electronically for you to print immediately. Should your trade or profession not be covered by the online quote system insuredrisks.co.uk has access to Lloyds brokers that enables almost all risks to be covered.

Insuredrisks.co.uk is authorised and regulated by the Financial Services Authority.

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The Insurance Line are a long established insurance intermediary founded in 1946 and they are members of the General Insurance Standards Council (GISC). Their Tradesman's Liability product has been designed for small traders with less than 10 persons working within the company and the cover available is :
Public Liability - cover yourself for damage to property or injury to others
Employers Liability - cover as required by the law
Personal Tools - all risks cover for your personal hand tools
Personal Accident - protect your income if you are injured
Construction Plant - all risks cover for your own and hired in plant and machinery
Contractor All Risks - all risks cover for your materials and contracts

Quoteline Direct are one of the largest online insurance brokers in the UK. They have an excellent record of placing liability insurance with a variety of insurers and Lloyds syndicates at very good prices. Bear in mind that liability insurance is a very specialised field, it isn't offered by any of the big online insurers and it's often a case of knowing who to approach for a particular type of risk. This is the knowledge that Quoteline Direct has, so please don't worry if you've never heard of them, they are specialists in their field and all business is placed with top rated insurers.
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Click here to get an online quote from Insured Risks

Click here to get a liability insurance quote from The Insurance Line

Click here to get a quote from Quoteline Direct (Then click on the Commercial & Business Insurance Link and select Liability Insurance from the drop-down box)

 

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