To make finding and comparing your next public liability and business insurance policy a little easier, we’ve put together some useful tips below or you can hit the “get a quote now” button to begin the quotes process.
Choose the right cover level
It’s important that you choose the right level of public liability insurance. The lowest level of cover is £1 million; however, you can also take out cover protecting you for £5 million or £10 million if necessary.
Choosing the right level depends on the nature of your business, and you should ask the companies that you work with whether they stipulate a certain level. For example, if you are working on a government contract, you are likely to require a high level of cover in this area (usually between £5 and £10million)
What to look out for?
You need to ensure that the insurance policy covers you for the right business activities. For example, certain policies may not cover you if you work above certain heights (e.g. 10 m) or with heat. To check, make sure you read the policy exclusions and endorsements in full. This information can be found on our results page for each quote that you receive.
Tips on saving money
Most importantly you need to ensure that an insurer provides a policy that adequately supports your business activities. Unlike car or home insurance, there are many variations between insurers, so do check policy wordings, endorsements and exclusions in detail. Also check that your cover levels are adequate for your business needs.
By Kevin Pratt
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