Builder Public Liability Insurance
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public liability insurance, will the pay me ?

i brought this plumber , builder to change new bathroom and kitchen. but he did mess water leak n get loads damage inside..he says he got public liability insurance. so my question is will the pay for my damage ? thanks in advance

If the plumber caused this damage it is his or her responsibility to pay for the damages. The plumber can file a notice of claim with his or her insurance company and he should then provide you with the name of the insurance carrier, policy number, claim number, name and phone number of the adjustor. You should then call the adjustor and make sure that they follow up with you by sending an inspector out to see the damages and hopefully paying in full for your claim. As long as they accept liability on behalf of their client and pay you for the damages, I would not file a claim with your insurance company.

As another poster stated — yes it is sometimes easier to file a claim with your own carrier. However, there are several reasons not to do this. First of all your deductible will be applied to any claim payment made by your insurance company, i.e. if your damages are $2,500 and you have a deductible of $1,000 you will only receive a check for $1,500. You will get the deductible back if and when your company obtains payment from the plumber’s insurance company (a process called subrogation) but that can sometimes take anywhere from 3 months to 1 year.

In addition, any claim you submit to your own insurance company will be recorded in a database that all property insurance companies participate in called CLUE (Comprehensive Loss Underwriting Exchange)–you can find out more information or obtain your own record at this website: http://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue_info. Once recorded the claim information can never be erased and can result in questions being raised when you sell the property (the prospective purchaser’s insurance carrier will be able to see the information and will inquire to make sure all repairs were done, etc. and some sales have been derailed by a negative CLUE report) and/or if you ever wanted to obtain insurance through another company. Even though the claim will eventually be listed as having been closed with a recovery (from the subrogation) if you have repeated claims it can negatively impact you in renewing your insurance, in obtaining a policy through a different carrier or selling your property.

In essence my advise is to go through the plumber’s insurance carrier, he or she caused the damage they should be responsible for repairing it.

I hope this helps. Good Luck!

Why do public Tradesman liability insurance?

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One area is much talk about it now is Public Responsibility for insurance and for people who will not acquire or about it, I will for a brief explanation of you. Business Insurance for Trader, cover them in their daily work, property damage to third parties or third Garden party injuries that may result, while companies their jobs.

Now the reason for the way I try to clarify exactly what this insurance you may need for craftsmen and will cover why, while they work. First of all I would like to make clear that this type of insurance is not required by law and as something that can be overlooked by many [**]. Even if you go on a site then the head contractor work will usually insist that you do not work or be paid before an insurance be present.

what kind of company?

There are masses of trades that can in a Glasgow Business Insurance to be covered. Based on a Hairdresser or beautician a roofer or electrician, and everything in between. Each trade is valued differently depending on the damage that may be caused in the type of work could, for instance, a roofer is a highly valued such as trade, where they work up then things could be something like falling tools could occur either could cause to someone down, or even a car that some substantial damage resulting from this height.

One of the main other images of what you were covering with this kind of politics is to say, a carpet fitter and a new carpet as she takes the role of carpet in the property they knocked a rare painting from the wall or were knocked off the table was a vase then obviously, they would be the cost of rectification or replacement of the Articles and the Business Insurance, this Cover charge.
The last reason that I want to talk about is something that looks like, are often related, and that is nowadays wounds by craftsmen such as masonry or building owners to leave their instruments and scattered caused someone else tripping over them, of course, if the person has a bad fall could then they break a bone and from work for a while and they are obviously the person holding the left scattered around the tool responsible.
In summary, although this is not necessary for a legally policy is certainly one that can not do without all the craftsmen, as we can not say what will work during the day and Accidents are inevitable, so why do not you get that extra protection, just in case something like the above does not occur.

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Public Liability Insurance

A penny for your thoughts on public liability insurance?

I’m trying to organise a smallish family event for 100-200 people with a talk, possibly childrens games etc. I am doing this on behalf of an organisation, with their logo etc. Where do I begin with insurance? Is it even worth looking into this? Thanks

It really depends on what you are doing and what type of organisation you are talking about. It could well be that they have PL cover for the organisation. If your event is a party in a hotel it is likely the need for cover will be minimal as it will be difficult to hold the organisation to blame for the hotel (for example) poisoning them.
More information I am afraid.

xxFJ
BTW the answer above is nonsense. In the UK one cannot contract out of one’s liability for personal injury.

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Public Employer Liability Insurance

Tradesman Liability Insurance – A Good Caretaker of your Business

Being a sole trader or the owner of a small business you need to protect your occupation. As a small business owner, cost and expert help may well be imperative to you when you buy any kind of insurance. Most of the times you might not have the time or the experience to look at the various kinds of insurance options that are available to you and, to be frank, a lot of policies may well be embattled at bigger businesses besides which mean that you pay for cover you might not really need. So the best insurance for a sole trader is none other than tradesman insurance. However there are lots of insurances covered here like tradesman liability insurance, tools insurance and employers’ liability insurance.

Tradesman liability insurance covers an extensive range of trades and anyone whether working from a place of business outside of the home or whether you work from home needs to be covered properly. Even if you work as tradesmen, persistently working on site or in someone else’s premises then you may be required to arrange the cover in order to satisfy your main contractor. 

However one of the main reasons why folks who run businesses choose to take out tradesman liability insurance is merely to get additional protection. But with tradesman insurance this may not mean that you have to find the money out of your own pocket or out of your business profits. On of the best ways to judge whether you need tradesman liability insurance is to think about the worst that might happen. What would you do, for example, if you were working on a construction site and the person you were working slipped of from one of the floors and broke their leg? Could you manage to pay legal costs and compensation if they took your business to court and sued you?

The fact is that this can happen. People are more set to sue over this kind of thing these days than ever before. So, taking some time to choose and buy public liability insurance might simply give you the financial shield you need for you and your business if this kind of thing does happen.

what do i need to start a property maintenance business?

i have recently been contracted by a letting agents to do gardening work, but now i’m thinking of offering complete property maintenance work. i have public liability and employers liability insurance (£12 million total) but that was specific insurance for gardening work, so i wont be covered for anything else.

Draw up a plan for what you would like to offer, how it would work and what you can charge for it. If you have an in to lettings agents already, it makes it easier to say to them that you’re expanding what you do.

Your insurance company will probably be able to sort out your cover with just a telephone call. You won’t pay any more for it, in all probability, just have the policy changed to reflect the expanded business.

A plan is important so that you know what you’re taking on and how you’re going to handle it. It doesn’t have to be too formal if you’re not applying for funding but it helps keep you going in the right direction.

Good luck!