Public liability insurance

When Mishaps Happen, We Have You Covered

Despite your best intentions, accidents do happen and if the incident is as a result of something you, an employee or the business has done then a client, contractor, or member of the public can claim against the business for compensation. Your public liability can be triggered by something as simple as spilling a drink over a client’s computer, or a contractor slipping on a wet surface in your office incurring injury or damage.

To help protect your business, Ultima Insurance can offer public liability insurance as a stand alone policy or it can be purchased together with our range of products including Employers’ Liability Insurance, Office Insurance or tailored business packages.

Ultima Insurance can cater for more than 200 trades, professions and contractors, including Builders, Plumbers, Carpenters, Gardeners and Teachers

Public Liability

Public Liability (or PL Insurance as it is usually known), covers the business for any damage you may do accidentally to another person or property whilst undertaking work.

This could be a simple accident such as someone falling over your computer cable, through to more serious issues that could leave people scarred or disabled for life.

Public Liability Insurance should be considered essential if members of the public or customers visit your premises or you travel to your customer’s premises.

The risks of not having PL Insurance could be catastrophic to the business as PL claims can be substantial if you are liable for them.

Coverage for Tools

Whether you are a one man band or a large company, tools have always been the backbone of many trades and these tools are expensive, usually costing thousands to replace.

Most Public Liability policies have the option to add a level of tools cover to enable you to protect your tools from theft or damage.

This is something you should always consider adding if you have not got your tools covered anywhere else, as should you lose them, your work could come to a grinding halt until you can replace them.

Personal Accident

One of the easiest insurance policies to understand is personal accident insurance.

If you have an accident which stops you working and you cannot earn any money, the insurance policy will compensate.

There is a wide range of products in the market that at first glance appear very cheap. However, many of them only offer hospital benefits, death cover or complete disablement.

We arrange the only type of personal accident insurance that we can recommend – one that pays weekly benefits to clients when they are unable to work.