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PostPosted: Mon Sep 03, 2018 12:52 pm 
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As my (self-employed handyman) business slowly gets going, its time I got some PL insurance. I mainly want it for big stuff, like accidentally setting the house (or homeowner!) on fire whilst plumbing, but the fewer exclusions the better really.

Looking at some examples, there are different terms and (even if you account for those) various grey areas. E.g. a common one is the "property being worked upon" being excluded from cover, which is open to some interpretation and wiggle room.

Has anyone found a decent policy/insurer for public liability (maybe also tools) cover that has sensible small print and/or who are reasonably honourable when it comes to claims?

Thanks!

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PostPosted: Mon Sep 03, 2018 4:33 pm 
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I’ll have to dig mine out(not sure who mine is with!!)as I change every year but you’ll get decent pli for about 100 quid for the year.
Tool cover depends on what you’ve got and where it’s stored.

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PostPosted: Mon Sep 03, 2018 5:37 pm 
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Thanks, id be interested to hear who you chose.

Tool cover is less important. It would just be for tools in the van during the day (say a £thousand or so max). I daren't leave anything of value in it overnight where I live, which is a bind.

Thanks again

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PostPosted: Mon Sep 03, 2018 6:19 pm 
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I've been with these guys for some years https://www.tradedirectinsurance.co.uk/ ... nt=0.Brand

They are a broker, significant exclusions on my policy...

No excavation over 2 Metres. (that's likely, maybe 800mm for a fence post)

No cover at home (not a biggie)

Not covered for "hot works", I assume this will cover soldering plumbing joints, but I don't do a great deal of soldering.

Tool cover up to £1.000 as standard (but a £200 excess)

As to what they're like in the event of a claim ??? :dunno: Never had to make one.

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PostPosted: Mon Sep 03, 2018 6:58 pm 
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Thanks, thats useful to hear. It doesn't sound like they automatically exclude the thing/property being working on then, which is a useful bonus.

Pity about the hot works, I wonder if that includes stuff like angle grinding. Though I wasn't intending (e.g.) hot roofing work or more than minor pipework installations, so perhaps not a major obstacle.

Thanks!

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PostPosted: Mon Sep 03, 2018 7:08 pm 
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Kev888 wrote:
Thanks, thats useful to hear. It doesn't sound like they automatically exclude the thing/property being working on then,


No, they don't.

By hot works I mean say hot tar on flat roofing or anything involving naked flames... angle grinders wouldn't be considered "hot works"

get a quote. will cost you nothing but a few minutes of your time. BTW a lot of insurers will bump up the premiums year on year, this lot have increased my premiums but don't take the p155, smallish increases each year,

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PostPosted: Mon Sep 03, 2018 7:36 pm 
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I use trade direct too. No issues in 3 years

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PostPosted: Mon Sep 03, 2018 8:33 pm 
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i need to sort mine out like. just checked and it has lapsed :lol:


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PostPosted: Mon Sep 03, 2018 8:52 pm 
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Heh, thats unusual. These days preventing auto-renewals has been my problem with any insurance, and if its not set to renew I get a small rain-forest's worth of letters encouraging me to do so.

Anyway, thanks to everyone. I'll obviously get quotes, but its the quality of cover that I was hoping to get a handle on so this has been very helpful.

Cheers

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