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 Liability Ins

What you need to know about Professional Liability Insurance with David Stark

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Public Liabilty Insurance

Commercial Insurance Explained

Professional Indemnity is insurance for a business that is going to be providing some advisory or consultation service, where its employee will be giving professional advice on the company’s behalf. Professional Indemnity will protect your business from any liability arising from third party losses sustained due to the negligence of you or your employees.

Credit Insurance will protect your business in the occurrence that customers fail to pay their invoices, however the risk involved for the insurer means that credit insurance can be difficult to obtain unless your business has been up and running for some time. Legal expense insurance will help cover your business for legal cost incurred in the event of a legal dispute.

Public liability insurance provides legal cover and protection against any third party claims for loss or damages that have occurred during the course of your business; this is often a wise choice of insurance for businesses that involve the public, for instance retailers or leisure facilities. Product liability is necessary for any business manufacturing products; it protects the business against claims that the products you manufacture are faulty and have caused loss to the owner.

Premises Insurance is necessary to provide cover against fire or any other perils; however ensure that you thoroughly check your policy details and are aware of what exactly your premises is covered for. Office insurance will provide cover for office equipment such as computers; faxes etc depending on your office requirements, and similarly factory Insurance will provide cover for machinery and equipment, as well as fire and theft etc within your businesses factory. If you work from home, home office insurance will provide cover for the necessary office equipment; often home office insurance is not included in house insurance so do not make any assumptions.

Employer’s liability is necessary if you have, or intend to have, employee, and will protect you against any claims for bodily harm or death to employees that have occurred during the course of employment. Fidelity insurance will protect you against any losses suffered from employees acting fraudulently or dishonestly. Should a key employee suddenly be unable to work through death or disability key person insurance will cover their direct replacement which may require specialist training; when taking our key person insurance ensure you obtain detailed advice on what it involves and what will be covered as it requires detailed knowledge.

Business travel insurance, as with ordinary travel insurance, will provide cover for the loss or damage of business equipment during travel. Check the policy as business travel insurance can also include the costs of emergency couriers for the delivery of replacement items; and some will cover for the unexpected occurrence of illness or death whilst on a business trip covering the costs for another employee to take their place. Commercial motor insurance will insure your liability to others in the case of a car crash or other motor vehicle incident. This includes death or injury to anybody (but not death or injury to employees while they are working, as they are covered by employer’s liability insurance).

Starting drama classes soon, need info on CRB check/public liability insurance?

Hello!

I’m 20 and I’m soon due to start some drama classes next year. They are going to be held in a local hall near me, that also hosts art events and other classes. The classes will be on a weekend and 2 evenings a week, each class about 2 hours. It will ideally have about 18 – 15 children. I’m 20 and I am just looking for some information on the following -

- I have read that you can’t get a CRB check for yourself, but I would like to have one done somehow to reassure parents further, how can I get this done?

- What kind of public liabilty insurance will I need to cover everything? And how do I get this insurance?
Thanks!! xx

If you are a company and have a group name for your class or drama group you can apply for a CRB. It can take a while but you can track your application online. You need third / public liability cover which you can get from any insurance broker – the price for this will go up as the risk goes up. Therefore if you are not using electrical equipment or sharp things it will not be too much, if you start introducing computers, lighting equipment, PA etc the price will climb. It is worth exploring if the hall has insurance that will cover your activities which could save you money. Good luck on your venture!

Public Liability Insurance Cover
Do Ineed public liability cover to do dog walking? if so where can I get it?

I am 15 years old and am looking to get a job. I was offered a job at a kennels, but the pay was extremely low (I got £15 for 8 hours work) and it was 7:30 – 4:30 which is too early for me. I really wanted to work with dogs without all the cleaning. So i felt dog walking was appropriate as that was part I enjoyed.
I was gonna ask my neighbours and local people if they needed a dog walker but I don’t know if I need public liability insurance.
If I do can you let me know where I can get it and how much it is going to be. Thanks

Doesn’t matter – you can’t make enough to AFFORD the public liability as a dog walker. That’s why they all work for cash, uninsured.

Public Liability Insurance

Public Liability Insurance For Double Glazing Installation

Public Liability Insurance is a type of cover that is mainly used by tradesman so that they can be covered for most eventualities that will occur throughout the work that they undertake. The insurance will cover them from any occasion where they may unwillingly cause third party property damage or third party injury to anyone whilst they were working.

For someone that works with Double Glazing they may want this type of insurance so that throughout the course of their work they will be covered for example if they were to knock over a vase or an expensive ornament when they were in the property then they would obviously have to pay for the repair or the cost of replacing it and that is where the insurance would come in. Also if they left their tools lying around and someone tripped over them then the insurance would again come in to play.

This insurance is Public Liability Insurance which is cover for what has been explained above however there are certain other policies that you can get. For example if you employ anyone then you would have to get Employers Liability Insurance which is a legally compulsory insurance and there are also things such as tools cover and own or hired in plant cover that you can add on to the Public Liability Policy.

There are three levels of cover that you can get when you take out public liability insurance, the basic is one million pounds of cover but you can also get quotes and policies at two million and five million pounds of cover. Obviously these levels are the amount that the insurance company will pay up to should there be any claims made on the insurance which is why most people will go for the one million cover on their policy unless specifically requested to go higher for a job.

For one million pounds cover then the prices can generally start from around £65 for a year’s policy however if you wanted the higher cover or any of the other things that you can add onto the insurance policy then you will of course be looking at paying a higher premium.