What is public liability insurance and what does it cover?
Public liability insurance (PLI) is a type of insurance that protects you in the event your business is held legally responsible for either an injury to a member of the public or damages to their property. If you’re taken to court, having PLI means your insurer will pay the legal costs on your behalf, up to a pre-agreed limit.
While public liability insurance protects business owners from claims made by members of the public, it can also cover claims from contractors and clients. However, PLI does not extend to injuries to business owners or employees.
Which professions does Swinton Public Liability Insurance cover?
Swinton have a specialised panel of carefully selected insurers who provide cover for over 500 trades & professions.
Examples include, but are not limited to:
• Painters & Decorators
• Carpenters
• Electricians
• Landscape gardeners
• Plumbers
What extra cover can be added to my Swinton Public Liability Insurance?
Extend your cover limit
Increase the limit of legal and compensation costs for claims made against your business. £1 million to £10 million limits available, with options to extend further.
Employers’ Liability
A legal requirement for anyone with employees – get £10 million cover for injury or illness claims made against your business.
Tools & business equipment
Get protection for the tools and business equipment that are essential to your business.
Stock & materials
Cover stock and materials in the event they’re stolen or damaged on site, at home or in transit between jobs.
Own and hired-in plant
Protection for machinery, either owned or hired, including diggers and cement mixers.
Contract works
Protect contract work in progress, in the event of damage by an insured peril before completion.
Is it a legal requirement to have public liability insurance?
While having public liability insurance isn’t compulsory under UK law, many businesses take out this type of policy so they’re covered should the unexpected happen. A customer or client may ask that you have cover in place before they work with you. Plus, it may be an obligation of your industry regulator or trade bodies.
From builders to gardeners, van insurance is a necessity for tradespeople who rely on their vehicle to keep their business moving.
What’s can be covered with Swinton Commercial Van Insurance?
• Third party liability: Unlimited liability cover for third parties in the event of bodily injury or death resulting from an incident involving your van.
• Accidental damage cover: Comprehensive policies can include accidental damage cover for your van, up to market value.
• Audio equipment: Standard fit audio, navigation, and entertainment equipment can be covered for up to £250.
• Windscreen: Comprehensive cover offers the repair or replacement of a damaged windscreen.
All benefits are subject to level of cover chosen, limits apply.
Tailor your policy with optional extras
With Swinton’s Commercial Van Insurance, you can add protection for tools, goods in transit, and personal liability cover. You’re also covered for social, domestic and pleasure use.
Why choose Swinton for Public Liability Insurance or Commercial Van Insurance for your business?
Your time is precious when running a business, let Swinton do the hard work for you by comparing quotes from our panel of insurers to offer you a quote for a policy that ticks all your boxes.
• They have over 65 years of experience offering vehicle insurance, so you can rely on them to help you find a policy that’s right for you.
• Get a quote online at a time that suits you. If you need a hand, Swinton’s dedicated van insurance team is there to help, over Live Chat or the phone.
• You can manage your policy online, 24/7, so you don’t have to worry about it during business hours.
