Article Side

Online Article Directory!

Hello Guest! Login or Register to submit articles!

Public and Employers Liability Insurance

By Nathan DeBoon Subscribe to RSS | April 20th 2012 | Views:
loading
 
  



You may be a tradesman and when you go to do a job they may insist that you have Public Liability Insurance and that you have it before you start the job and in many cases you have to show them that before you will be able to get paid. Although Public Liability Insurance is not a legally compulsory insurance more and more people are insisting that you have to have it if you want to do any work for them as they want you to be covered should anything happen during the course of your work.

The other area of this is Employers Liability Insurance and this is a lot easier to understand whether or not you need it as it is a legally required insurance. If you employ anyone directly or as a labour only sub contractor then you must have this insurance by law and there are penalties for companies that are found without this insurance which can be anything from a fine or a ban on running a company up to something much more drastic like imprisonment.

The main thing that most people get confused is what each of the above insurances actually covers so I will try to explain exactly what you need the above for. Public Liability Insurance is used to cover you for any case of 3rd Party accident or injury that you may cause in the course of your days work. For example if as you were entering a property you knocked over an expensive vase or if you left your tools lying around and someone was to trip over them and hold you responsible then this is where your Public Liability Insurance would come in to play.

The Employers Liability Insurance is slightly different and is to provide cover for injury, illness or death to anyone you employ (either directly or as a labour only sub-contractor). For example if you were in the painting and decorating industry and one of your employees was working on a ladder you supplied them with which then collapsed causing them to fall and injure themselves then they may hold you liable. This type of insurance differs from public liability insurance which would provide cover for injury or property damage you cause to a member of the public during the course of your occupation; usually you cannot get employers liability without having public liability.

So if you are working on your own as a sole proprietor then you can decide whether or not you want to get Public Liability Insurance (but be aware that some people will still require that you have it before you can do a job for them) but if you employ anyone then you must get Employers Liability Insurance.

Nathan DeBoon - About Author:
For more information you can visit this website that deals with all things to do with Public Liability Insurance

Share on Facebook Tweet It Stumbleupon this post This post is delicious !

Article Source:
http://www.articleside.com/insurance-articles/public-and-employers-liability-insurance.htm

Related Insurance Articles Subscribe to RSS

Business insurance rates: determining factor while establishment as trading agency
Published by Andrew Edwards on May 15th 2012 | Insurance
There is vast variety of concepts applied while looking to establish trade business...
 
Private Hire Taxi Insurance will provide you best insurance
Published by Atif Saleem on December 10th 2011 | Insurance
If you have taxi driver and want to get batter taxi insurance with a driver, you can get information...
 
Insurance broker helps acquiring commercial insurance quotes
Published by Andrew Edwards on February 4th 2012 | Insurance
If you don’t have sufficient time to search for commercial insurance online then insurance broker...
 
Benefits of car insurance comparison sites
Published by Geenadavis on February 25th 2012 | Insurance
In spite of what type of insurance an individual is seeking, it is always a wise idea to do some car...
 
Auto insurance at its best in Michigan
Published by Autoinsurances on March 6th 2012 | Insurance
It is illegal to drive uninsured vehicles on Michigan roads. Michigan is also regarded as the no-fa...
 
A preliminary understanding Connected with Car insurance policy Benefits
Published by Shyam Singh on February 23rd 2012 | Insurance
A lot more gas mileage people get, the greater these premiums on the insurance policy will likely be...
 
Inexpensive health insurance procedure
Published by Lessardcasey on March 28th 2012 | Insurance
HealthInsuranceAdvisory.org offers Inexpensive Health Insurance rates for most Americans by allowing...
 
Say no to restriction imposed by cheap classic car insurance lenders
Published by Anneshirley on April 12th 2012 | Insurance
Classic car are the heritage cars, so if you own one then you are the lucky person on earth. It is a...
 
Individual medical health insurance Procedure
Published by Lessardcasey on March 28th 2012 | Insurance
HealthInsuranceAdvisory.org is a website devoted to helping people find affordable Individual Medica...
 
How to find affordable auto insurance for your child
Published by Jerry on March 14th 2012 | Insurance
When you need to get a car for your child, chances are that you may want to make sure that it is as ...
 
Choosing the best auto insurance company to get coverage from
Published by Jerry on March 13th 2012 | Insurance
With the number of car accidents showing a rapid increasing, people have started getting their cars ...
 
Why should we compare car insurance?
Published by Jenymorison on December 9th 2011 | Insurance
Are you a homemaker? If your answer is yes then surely your family is dependent upon your spouse’s...
 
Low cost medical insurance procedure
Published by Lessardcasey on March 28th 2012 | Insurance
Low Cost Medical Insurance is difficult to come by these days, but there is one superb company out t...
 
Complimentary commercial insurance quotes for traders
Published by Andrew Edwards on March 15th 2012 | Insurance
There are basic needs of every trade person which are fulfilled by protective plans...
 
Financial barriers in front although product liability insurance is outstanding
Published by Andrew Edwards on March 21st 2012 | Insurance
It is quite a possible obsession to happen with the manufacturers to face a situation they never exp...
 
Help yourself by knowing more about auto insurance!
Published by Jerry on March 14th 2012 | Insurance
There are many people who find auto insurance quite confusing and tricky. It is because of this reas...
 
All about child insurance in India
Published by Puneet on February 6th 2012 | Insurance
A child plan is all about working out strategies that will ensure your children have a secure future...
 
Let Georgia health insurance plan treat your medical expenses
Published by Ricky Martin on June 23rd 2012 | Insurance
So time has come, do let Georgia health insurance plan treat your medical expenses. It is a big burd...
 
In Nevada information about auto insurance is crucial
Published by Alabamaauto Insurances on January 17th 2012 | Finance
It’s not very hard to get cheap rates for auto insurance in the state of Nevada as there are a lot...
 
Cheaper van insurance – ways to find the best deal
Published by Robmarshall on March 28th 2012 | Insurance
Whether you have a larger vehicle or a smaller vehicle, you will definitely have to buy an insurance...