Public Liability Insurance after supplier enters administration?

nomorehonesty

What rights (if any) do I have under the supplier's Public Liability insurance for work they carried out and which has caused consequential loss/damage to our home - if they, the supplier, have gone into liquidation?

Norman_Castle

I would assume if you had a valid claim the insurer would still be liable regardless of the suppliers current situation.

vaio

if you paid any of the bill by credit card then S75 might be an easier option

eddddy

nomorehonesty wrote: »

What rights (if any) do I have under the supplier's Public Liability insurance for work they carried out and which has caused consequential loss/damage to our home - if they, the supplier, have gone into liquidation?

Hi nomorehonsty

Normally, you would make a claim against the supplier and they would choose whether or not to make a claim on their PL policy.

As the supplier is in liquidation, you now have to make a claim against the liquidator. Assuming the liquidator accepts your claim, you become a creditor - probably alongside many others.

I guess, in theory, the liquidator might be able to make a claim on the PL policy... but it doesn't seem very hopeful to me.

It might be worth initiating a claim with the liquidator anyway, to see what happens.

rs65

OP, have a read here.

http://www.out-law.com/page-10645

Sally_A

Some insurance policies operate on a claims made basis, and I know that any decent, say double glazing co would have arranged run off cover to meet their guarantee period to cover claims occurring.


Contact the liquidator/administrator to see if there is cover in force.

rs65

The OP was talking about PL which will be on a claims occurring basis.