Category: Public Liability Insurance

Sole traders need public liability insurance to protect themselves from financial losses if a member of the public is injured or their property is damaged during business activities.

As a sole trader, should you get public liability insurance? Is it even worth it?

The answer: It’s not a legal requirement but yes, you probably should.

But what is it to begin with? And why would a sole trader need one? In this post, you’ll learn the importance of public liability insurance and how it can help a sole trader in the event of a workplace accident involving a member of the public.

Read on to discover how public liability insurance can help your business finances. Read More

One of the biggest questions that any business owner will need to consider is whether or not to take out any public liability insurance. Unlike some other forms of business insurance, public liability cover isn’t a legal obligation in the UK so it’s up to the business owner as to whether they take out a policy or not. Read More

In the wake of the decimation that was storm Desmond the need for scaffolding insurance has become ever more prevalent with claims being reported up and down the country. For example in North Staffordshire a 40metre run of scaffolding came crashing down on top of several parked cars with stupendous force. Read More

If you own a night club with limited stock, contents and fixtures and fittings, you may think it’s financially beneficial for insurance purposes to only cover the Public Liability aspect of the night club – unfortunately it is extremely difficult to acquire Public Liability for Night Clubs in isolation. To get cover  for your premises the easiest way to acquire this, believe it or not, is to also insure all your stock, contents etc. by taking out a nightclub package policy. Read More

Making yourself a reputable and trusted Scrap metal merchant you’ll obviously need to go through the process of obtaining your licence to trade, and then of course arrange your public liability insurance. These two things can really set you aside from the competition.

Sorting out the public liability for your scrap metal business is all very well said and done, but it can come at hefty premium if you don’t look in the right places. You’ll need to approach an insurance broker able to assist your needs. Read More

Starting your own business as a scaffold erector or scaffold contractor is more strenuous and expensive than other trades.

Aside from building up clientele, and future projects – you first need to acquire the actual scaffold poles, brackets, planks etc. which in itself can be a large out lay, whereas your standard trade will only need to really acquire the tools to work then off they go – but with a scaffold erector you need to acquire the plant… then somewhere to store the plant when not in use, then a vehicle big enough to move the scaffold tubes to site – all more costly than your average trade. Read More

Sourcing public liability for some trades can be extremely difficult, with many mainstream providers they only accommodate a certain amount of trades, so anything involving particular high risk goes through the whole process of taking details, only to be met with a “decline” or “no quote” – so when going through the ordeal of looking for alternative quotations, how do you really know you’re contacting a provider that can meet all your needs and requirements? Read More

Getting the right annual premium for your Public Liability as a roofer can be somewhat of a challenge. Unless you do the right research, you could be spending hours on the phone or internet running through forms, only to receive astronomic quotations or declines – that’s why for a trade such as Roofing Contractors, it is imperative for your own well-being that you approach a broker to source terms for you. Read More

Starting up your own business can be an enthralling ordeal, with your dreams unraveling day by day, and to do list longer than the eye can see.

Working down the agenda you’ll eventually get to “INSURANCE” – now it can be easily understandable if you’re an insurance novice, and not sure what products you need to take out. Read More

At Goldcrest we have excellent rates for liability insurance for roofers.

Yes of course it is a high risk trade and yes there are many claims that do take place which result in large sums being paid out … but there are plenty of roofers out there who have been trading claim free for many years, run extremely professional outfits and have good Health and Safety policies in place. Read More