Public Liability Insurance protects tradesmen, manual workers, and other professionals in the event of a third-party injury or property damage https://onemanandabrush.com. Painting and decorating is a trade that requires a great deal of equipment and tool use. Public liability insurance can provide protection for these people if the accident occurs.

Another thing this insurance type can protect you against is that if, as you carry your materials to the place where you will be working on the property, you knocked over a vase of an expensive ornament then the owner could hold you responsible to either repair or replace it. Again the insurance would cover this.

The majority of insurers offer three levels for cover, which are one million pounds (or equivalent), two million pounds (or equivalent), and five million pound cover. This is of course the maximum amount of money that the insurance companies will pay. That is why the quote is usually for one million pounds.

Employers Liability Insurance can protect you from being held responsible if, for instance, an employee falls off a stepladder and gets injured. Employers’ Liability Insurance is required by the law. If you employ any employees, you are at risk of being banned from doing business or facing a large fine.