Public Liability Insurance For A Painter And Decorator

Public Liability Insurance (PLI) is a form of insurance used mainly by tradesmen and manual workers to protect them in the event that they cause third party property damage clicking here, or injury to a third person whilst doing their work. The trade of Painters and Decorators is notorious for requiring a large amount of tools and equipment. Insurance can help protect these professionals if their tools are left out, and they cause someone to trip and get injured.

Insurance can also help you protect yourself if you accidentally knock a vase over or an expensive ornament while you’re carrying the materials into the property where you plan to work. If this happens, the owner of the property may hold you liable to repair or replace the item.

You should always be able get quotes from insurers for the three levels of coverage: One million, Two Million and Five Million Pounds. The maximum amount the insurers pay is one million pounds, so it’s usually the case. However, some people or councils may require two or five millions pounds.

Employers Liability Insurance will protect you in the event that one of your employees falls from a ladder, and is injured. They may hold you responsible. Employers liability is a legal requirement, and you must have it to be able to employ people. You may also face a ban from the market and hefty fines if this is not in place.

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