Public Liability Insurance

6 Posts

Hi - Ive been advised to get some Public Liability insurance (from Major insurance company) (Mates helping move boxes for house move).
Not on my house insurance and calls and google searches have led to "we only do this for businesses"
Can anyone recommend a company/companies that can help?
TIA
Not on my house insurance and calls and google searches have led to "we only do this for businesses"
Can anyone recommend a company/companies that can help?
TIA
0
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This risk (of public/employers liability - note I have deliberately not used capitals, because the terminology will be different on a domestic HH policy) should be covered under your Household Contents insurance. As DGG mentions above, it may be called something different. Note - Home Owners Liability is not the section that you need - it will be the Contents section's liability cover. Liability to 'employees' (which is what these chaps/chapesses may be described as by an insurer) may be covered under the 'Liability to Domestic Servants' / 'Liability to Other Persons' section of the policy.
Should be fairly straight forward. Check the policy wording.
(note - you are covered. Not your friends. You are covered in respect of your legal liability in respect of their injury. Not a guaranteed pay out if someone gets injured. They would need to establish legal liability