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Discuss Public liability insurance? in the Insurance for Electricians area at ElectrciansForums.co.uk.

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  1. bluesky
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    bluesky Electrician's Arms

    if i am running a home based electrician business, is Public Liability Insurance really necessary?

    'Public Liability Insurance Cover should be considered if members of the public, clients or customers visit your premises. If you run a home-business, and customers sometimes visit you there, public liability cover might also be a good idea.'

    if i work at home, the possibility of clients visiting me is very slim! also i dont think anything at home can be harmful to visitors!

    also i am asking the difference between 'Public Liability Insurance' and 'professional indemnity insurance', are they the same thing?

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    Last edited by a moderator: Sep 28, 2016
  2. Amp David
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    Amp David Trusted Advisor

    Location:
    Glossop
    Whats happens if one does visit, then on their way out trips over a door thresh hold and brakes an arm?
     
  3. acat
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    acat Guest

    You dont have to have it but if you dont one claim against you could cost you everything you own is it worth that risk when you consider the cost of peace of mind.


    Chris
     
  4. bluesky
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    bluesky Electrician's Arms

    i understand that for most small business it is definately important, but for an self-employed electrician i just dont see any chance of a client's visiting
     
  5. acat
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    acat Guest

    Do you do all your work at home:confused: what happens if you are working at a customers house and you drill through a water pipe causing hundreds of pounds worth of damage.


    Chris
     
  6. patricklondon
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    patricklondon Guest

    you need it to be registered as a domestic installer
     
  7. bluesky
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    bluesky Electrician's Arms

    right, i see, so it is important....

    so which insurance provider is a good one? how much appoximately does it cost?

    also for professional indemnity insurance?
     
  8. JASON
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    JASON Electrician's Arms

    Location:
    Button Pressing
    Public liability covers you for actual damage or injury etc to others.

    Professional covers you for your "expert opinion" eg, you PIR a property which you deem as safe but someone gets a shock from something etc etc.
     
  9. Amp David
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    Amp David Trusted Advisor

    Location:
    Glossop
    Its needed to cover yourself whilst working in other people properties.
     
  10. bluesky
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    bluesky Electrician's Arms

    thanks...

    if i only do installation, no inspection involved, can i ignore professional indemnity insurance?
     
  11. acat
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    acat Guest

    Yes you can ignore professional providing you are not giving advise.


    Chris
     
  12. holte end74
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    holte end74 Guest

    how much would a electrician expect to pay for public liability insurence?
     
  13. D80
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    D80 Guest

    For a sole trader in region of £50-100 a year for 2M of cover
     
  14. darkwood
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    darkwood It's all about Gmes Staff Member Electrician's Arms

    Location:
    West Yorkshire
    i dont have prof' indemnity as my public liabilty should cover all my situations, but if i was to tell the customer that they can carry on using a machine and it safe to do so even though they are concerned about something then the machine as a result of my advice broke-down or injured someone then i would need it, but if someone was injured etc while i was working on it then public liability would cover me, so it comes down to always been over cautious just i case and never saying something can be run or used until you have fully weighed up the situe.
     
  15. JASON
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    JASON Electrician's Arms

    Location:
    Button Pressing
    As said, you only need PI if you are reporting on installations or similar.

    PL is a diff beast altogether.
     
  16. smithy
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    smithy EF Member

    Was just reading this discussion and remember another post on the forums last month...

    http://www.electriciansforums.co.uk/business-related/11487-public-liability-insurance.html

    It is so cheap for public liability it is daft not to have it. £60 a year for me which works out less than 17p a day and each one of these days I can go to work knowing that I can cause £2million of damage or injury and I'm covered (maybe not the best way to look at it but it's true)!
     
  17. cornburn
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    cornburn Regular EF Member

    Mine's about £105 a year and I get to cause £5 million of damage and injury. Nya nya!!
     
  18. smithy
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    smithy EF Member

    hehe!! I noticed when I was getting quotes that there was little difference in price between 1, 2 and 5 million. Personally I can't see how I could cause £1 million of injury/damage even if I tried, let alone £5 million. Think I only took £2 million as it was only about £15 more but to be honest it is probably £15 wasted.
     
  19. cornburn
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    cornburn Regular EF Member

    Local council here specify minimum 5 mil that's the only reason I have it. I'm sure 2 mil should do you fine :p
     
  20. smithy
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    smithy EF Member

    Ah Yes! Remember one of my plumbing chums mentioning this before. Nice to know the council trust us tradesmen so much that neither 1 or 2 million cover gives them enough piece of mind!
     
    • Like Like x 1
  21. darkwood
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    darkwood It's all about Gmes Staff Member Electrician's Arms

    Location:
    West Yorkshire
    1mill/2mill may seem excessive but if you say cause a gas leak and subsequently blow up a building like a school which then burns down, you need to be covered fully and some firms working on such jobs wont sub- you without 10mill' cover which when you think about it could easily be used up with such a big project and all the reschooling costs of thousands of pupils.
     
  22. smithy
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    smithy EF Member

    Fair point. Didn't think of it like that. Doubt my insurer would still be charging me £60 a year if I made a £10 million claim :rolleyes:
     
  23. scanner
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    scanner Active EF Member

    Which insurer are you with ?

    Mines about £120 a year for £2mil cover.

    Ta

    Al
     
  24. Goody
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    Goody Solar Guru

    Location:
    London
  25. bugsy
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    bugsy Guest

    Public liabilty will cover you against a claim being made against you by a client ( especially if you damage their property)
    Employers liabilty will cover you should any of your employees make a claim against you - this can be a mine field!
    Proffesional endemnity will cover you for your design of the installation ( if you carry out an installation without the guidance of a consulting engineer) and you make a cock up and your client can prove negligence your in deep ****!)
    If your self employed it willcost you peanuts
     
  26. holte end74
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    holte end74 Guest

    so if iwork as a sole trader and don't do periodics do i need professional endemnity insurence
     
  27. bugsy
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    bugsy Guest

    Generally no although technically you are responsible for the design of the installation but if your only doing domestics and small commercial don't bother .
     
  28. smithy
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    smithy EF Member

    Hi Al, I get it from Ashburnham Insurance.

    www.ashburnham-insurance.co.uk

    A guy I chat to on another forum recommended them and I've not been able to beat them on price. Can't comment on claims as never had one (touch wood).
     
  29. SirKit Breaker
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    SirKit Breaker Guest

    Public liability insurance is a must, i would deem anyone working on my property without it as a cowboy.
    It is very cheap for the level of cover you get.

    i paid £65 for £2m PLI, £1000 free tool insurance all risks (excesses apply if nicked from van), and £5000 personal injury cover which was a standard part of the policy, all this for the price of 13 packets of fags.:D
    And its tax deductable at the end of the year, or aren't you registered with her majesty's finest:eek:

    Cheers........Howard

    Youve been had mate £120! for £2m...........i would be shopping about, the most i paid was £85 and that was a few years ago. i know it might vary a bit depending on where you are but that seems awful steep to me.

    Have a look at trades direct or the one who sponsors this site.
     
    Last edited by a moderator: Feb 15, 2010
  30. smithy
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    smithy EF Member

    Definately... as I said in one of my previous posts, I pay about £60 for £2m but even when I shopped around with other companies before I went with mine I think my highest quote I got was about £100. Whatever company you go to is probably going to save you money over your current insurer!

    Oh... SirKit, you mention that insurance can vary depending where you are. Is this true?! Obviously I can understand this scenario in terms of something like car insurance where it is going to be a higher risk leaving your car in central london over the remote countryside but can't see how it applies to liability. If I work in someones house, why does it matter where it is???
     
  31. SirKit Breaker
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    SirKit Breaker Guest

    I dont know if it does vary mate, just guessing. I see where you are coming from when you relate it to car insurance, but my thinking is along the lines of if I burn down someones house in say Kensington, London then its gonna cost a lot more to fix than if i burn down something in Beeston, Leeds. Houses in Kensington cost millions, houses in Beeston, Leeds dont, in fact you could probably buy all of Beeston for the price of a desres in London. My liability insurance doesnt stop me working anywhere, but i guess the insurance thinking is that if i live in Leeds then i do most of my work in and around Leeds, but now and again i may work elsewhere, pretty much the same as the car insurance, i pay the premium based on where i live and not where i go.

    Cheers........Howard

    PS maybe we can all compare our PLI costs in different parts of the country;)
     
  32. smithy
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    smithy EF Member

    Good point... I can see how that may work now.
     
  33. Tango
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    Tango Guest

    Morning all.

    Can anyone offer any advice regarding publicliability insurance.:confused:

    tried direct line and RBS but as soon as I mentioned cherry picker they said they couldn't help.

    I am a one man band with ocasional use of subcontractors so thought that i shoould get employers liability as well as 1 or 2 million public liability.

    Also what about goods in transit cover

    Thanks :)
     
  34. martysparky
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    martysparky Guest

    If your on a scheme ask them about insurance they will probably be able to help.
     
  35. bugsy
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    bugsy Guest

    If only you employ people occasionally my advice would add them to your policy as and when required - your subbies might even carry their own insurance, goods in transit will also add costs .
    so I would.nt bother unless you carry lots of expensive kit to job's. although you might want to consider professional liability

    Cherry pickers comes under hired in plant
     
    Last edited by a moderator: Mar 2, 2010
  36. Tango
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    Tango Guest

    Cheers Bugsy

    I will look into subbies own insurance cover.

    Does it make a difference on insurance if the cherry picker is a hired one?

    I am keen to get the relevant cover, but it seems as soon as you might be going up in a cherry picker it becomes specialist.

    Do you have any insurance companies you could recomend?
     
  37. drywax
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    drywax Guest

    I've been looking at PL and there was an option for if working over 10mtrs in height wether or not this would cover you in a CP I don't know
     
  38. Tango
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    Tango Guest

    I wont be over 10 metres, who do you use? Drywax?

    Cheers
     
  39. gaffer
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    gaffer Electrician's Arms

    My PL covers me up to ten meters,when I was working on tower cranes my insurance company gave me the extra cover for the day or two I was up there.Won't your existing company give you cover?
     
  40. drywax
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    drywax Guest

    I don't at the moment I'm just shopping around and as I do the odd aerial it may come in handy for the extra £30 it may cost on average it was about £70 without and £100+ with but like the gaffer says if its a one off then maybe the hire company could sort you out.

    to be fair I didn't even consider the use of a cherry picker even though I hold a Licence

    the more you add like goods in transit tool cover etc it starts bumping the price up.

    for things like the above check your vehicle insurance as you may find your already covered for goods in transit

    the only advice I'd give is imagine the scenario like your van been turned, in transit etc. and check your cover because an extra £50 a year may seem expensive at the time but how much would replacing tools cost. Plus you don't have to unload every night
     
  41. gaffer
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    gaffer Electrician's Arms

    A mate told me to check my insurance covered van contents when I first started working for myself.Quick phone call to my insurance broker and he said yea no problem.Double checked the small print that night when I got home ,turned out was only insured upto a grand for contents:mad:.Soon changed their story the next day when I was in their office threatening to take my business elsewhere:).Had four seperate policies with them!
     
  42. Tango
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    Tango Guest

    cheers guys, any suggestions as to who I might call for insurance, a telephone number and a company name would be much appreciated :)
     
  43. gaffer
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    gaffer Electrician's Arms

    sorry mate the company I use is local so I think they only cover the Channel Islands. But Im sure someone on here can recomend somebody good:).
     
  44. Tango
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    Tango Guest

    thanks Gaffer, I appreciate it :D
     
  45. gaffer
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    gaffer Electrician's Arms

    No worries:cool:
     
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