Public liability insurance

Thermo · 9 Oct 2009

That time of year again. Anyone got any good suggestions as to who provides decent piblic liability and employees liabilty insurance, preferably with hired in plant cover as well?

I see direct line are doing a very good deal at the moment, but thye dont cover hired in plant (dont hire that much so not sure if its worth it!!!!)

mickyg · 9 Oct 2009

I'm insured with Corgi, but I actually got a better quote from Simply Business, only problem was they had some terms on their tool insurance which wasn't suitable because of my cr4ppy van. Cat1 immobiliser i think it was they wanted. other than that they were sound.

Taylortwocities · 9 Oct 2009

I am with Trade Direct (Tradesmans Insurance)
Very reasonable compared to some.

WoodYouLike · 10 Oct 2009

We've been using this independent broker for many years now, very happy with them, always on the look out for us to reduce the premium (and always add legal cover to it, another less worry)

You can tell them exactly what you need and they will find you to best quote that ticks all the boxes (and then some)

bathstyle · 10 Oct 2009

Taylortwocities said:
I am with Trade Direct (Tradesmans Insurance)
Very reasonable compared to some.

Ditto, they quoted me £100 less than my previous insurers and I get free £1k tool cover thrown in

fattony · 10 Oct 2009

I just used Simply business last night, was about £200 cheaper then anywhere else, didnt go for tool insurance etc but went for product liability so should even out

Mw Roofline · 10 Oct 2009

Taylortwocities said:
I am with Trade Direct (Tradesmans Insurance)
Very reasonable compared to some.

We are with this company also.

Thermo · 19 Oct 2009

thanks for the replies and advice. we went with axa in the end, as despite being able to find some very cheap public liability insurance (look at directline, they are doing a reall good deal, and they will hold the price for next year as well) we were scuppered with the hired in plant charges.

I have to say what a complete arse it is getting it. some places would only give £50000 of cover when we only want £20000, others were charging an absolute fortune for it as a stand alone. Phoned 2 companies that specialise in doing only hired in plant. They asked what cover we wanted and what our hire charges a year were. They then literally plucked a figureout of the air. DIdnt even ask what we did, so how can they asses the risk?

Ho hum thats that done for another year

Public liability insurance

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