Is public liability insurance mandatory ? Is public liability insurance mandatory ?
Posts 1 to 9 of 9
  1. #1

    Still gathering requirements...

    Brummie is too good to be a permie


    Join Date
    Apr 2017
    Posts
    72

    Default Is public liability insurance mandatory ?

    I do IT contracting and I have a current professional indemnity insurance (£1.5 million), however few agents who have spoken to me said that their clients might insist on £5 million + public liability insurance. Can a client insist on having public liability insurance? Just wondering in what way this is relevant to the client?

  2. #2

    I live on CUK

    SueEllen is a fount of knowledge

    SueEllen's Avatar
    Join Date
    Nov 2005
    Location
    in the Park
    Posts
    29,066

    Default

    Yes they can.

    The reason is they may not own or lease the entire building they work in. So they share facilities like toilets, lifts, corridors, reception and/or kitchens with other companies. This means if there was an incident in those areas you as a third party supplier wouldn't be covered under the client's public liability insurance.
    "You’re just a bad memory who doesn’t know when to go away" JR

  3. #3

    I live on CUK

    SueEllen is a fount of knowledge

    SueEllen's Avatar
    Join Date
    Nov 2005
    Location
    in the Park
    Posts
    29,066

    Default

    Oh and it's cheap to get if you bundle it in with other insurances.
    "You’re just a bad memory who doesn’t know when to go away" JR

  4. #4

    My post count is Majestic

    AtW is a fount of knowledge

    AtW's Avatar
    Join Date
    Jul 2005
    Posts
    51,446

    Default

    In Brum? Yes

    It's very cheap, at least until such time your coffee machine floods the world...

  5. #5

    My post count is Majestic

    northernladuk is always on top

    northernladuk's Avatar
    Join Date
    Mar 2009
    Posts
    40,495

    Default

    Do they specify you have to have a gladiator as well?
    'CUK forum personality of 2011 - Winner - Yes really!!!!

  6. #6

    More fingers than teeth

    greenlake has reached the peak. Play again?

    greenlake's Avatar
    Join Date
    Sep 2013
    Posts
    13,130

    Default

    Quote Originally Posted by northernladuk View Post
    Do they specify you have to have a gladiator as well?
    You should always have a gladiator....


  7. #7

    Godlike

    Mordac is a fount of knowledge

    Mordac's Avatar
    Join Date
    Jul 2005
    Location
    Civilisation-ish
    Posts
    8,726

    Default

    Quote Originally Posted by SueEllen View Post
    Oh and it's cheap to get if you bundle it in with other insurances.
    WSES

    I'm surprised you don't already have it, most contractor insurance bundles already include PLI (and if you're a ltd co you really should have it).
    His heart is in the right place - shame we can't say the same about his brain...

  8. #8

    Fingers like lightning

    radish2008 has more data than eek


    Join Date
    Aug 2008
    Posts
    618

    Default

    If you visit client premises you should have it - their PL insurance won't cover you. If you cause an injury to someone else then you're covered.

  9. #9

    Nervous Newbie

    substeve has no reputation


    Join Date
    Mar 2013
    Posts
    3

    Default

    More and more jobs I get now insist on seeing my public liability insurance. It's not mandatory but I'd lose half my jobs if I didn't have it. I would also say that a lot of them are now asking that I have £5million cover as well. At first I thought it was ridiculous and over the top but I think it is just everyone covering their behinds as much as possible. I've got my public liability, employers liability and professional indemnity all on one policy and my insurance broker emails me my documents as a PDF every year so I just forward it on to whoever asks and job done!

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •