This guide is going to take you through the world of cheap general liability insurance for contractors such as what type of things are insured in a policy, so why you would need to find this kind of policy along with the type of trades/occupations that you would need pay for.
To begin with I want to make this point clear, if you’re a single individual working independently (for example one builder or bricklayer) then this isn’t an insurance plan that is required by legislation but it’s one that you need to seriously look at getting before starting work so that you are insured for your job that you will undertake, but if you’re a single individual on peak of a company that has workers then that is needed by law together with Employers Liability Insurance that you can just get with Public Liability Insurance.
Public Liability Insurance is designed to pay a tradesmen during the course of the days work such as covering them against any case of third party property damage as well as third party injury, in both these situations the third party said are the individual you’re working for the property that you’ve been requested to work upon. These are the chief covers that you get on this kind of coverage that’s why 1,000,000 worth of pay can start from as few as 44.63 for a year of insurance cover.
The next party property damage is the very first thing that I’d like to chat about adding a few examples of when that could occur and what that could be coated. When a carpet fitter was going to a customers home and was to knock over a vase or a costly classic whilst carrying out the carpet through then they’d obviously need to pay to replace it consequently the insurance and the other thing would be when a roofer was functioning on a home and dropped off a tile the roofing an it ruined the parties property whatsoever then that insurance is there to protect.