MENU CONTACT US MAKE A CLAIM EXISTING CUSTOMERS Public Liability Insurance Make sure accidents don’t hurt your business If you work with or near people and their property, you’ll need cover against any mishaps. CALL FOR A QUOTE Provided by Able Insurance Services Ltd What is public liability insurance? If your work means you come into contact with members of the public and their property – and that includes customers – it's important to consider public liability insurance. If you're unlucky enough to injure someone or damage their property, public liability insurance can help cover potential legal costs and compensation payments, as well as repair work or medical fees. It's also important to check your customer contracts to see if they specify a minimum amount for public liability insurance. Gladiator Public Liability Insurance covers a wide range of professions from tradesmen to dog walkers, and we can cover up to six trades or professions on a single policy. We offer cover limits to suit your business needs, or you can choose from our set limits: £1 million £2 million £5 million Owned or hired plant insurance Building contractors and tradesmen spend time on sites in either their own or hired machinery. Plant insurance covers the cost of theft and damages to this machinery. We can cover: Diggers and mini-diggers Cherry pickers Concrete mixers Cranes Dozers Dumpers Excavators and mini-excavators Forklifts Generators Loading shovels Ride-on road rollers Trailers Contracts works cover Contract works insurance covers work in progress on a construction site. It’s invaluable for construction companies if client contracts hold them responsible for unfinished work. This insurance covers the cost of repairing or redoing work (including labour, materials, tools etc) on a construction site if it’s damaged or destroyed while in progress by an insured event like: Fire Flood Storms Vandalism Theft The cost of contract works insurance depends on several factors, including business activities and cover level and you should choose a cover level that matches the total cost of your largest project. Think about what it would cost to redo the work from scratch and don’t forget to include labour and materials. Employers’ Liability Insurance Employers' liability cover protects against the cost of compensation claims from employees for illness or injury that happened as a result of their work for an employer. It’s a legal requirement for businesses with employees and each day without cover can result in fines of up to £2,500. Examples of where this cover would prove invaluable include: An office worker is badly injured when they trip over a cable running across the floor A former employee is diagnosed with an illness related to asbestos exposure during their work A builder is electrocuted by a piece of faulty electrical equipment supplied by their employer In each case, a compensation claim is brought against the employer or former employer. The court can order the employer to pay compensation for injury, costs and other damages, a figure that can include medical care and lost income. Employers' liability insurance covers the compensation payment and legal costs, up to the limit of the policy. Tradesman policy If you want to add cover for yourself and your employees, our Tradesman policy could work for you. This will give you Public and Employers' Liability Insurance. Employers' liability insurance provides cover if an employee suffers an accident, injury or illness as a result of their work, leading to a legal dispute or compensation claim. As well as protecting your staff, these policies also look after you and your business. Every UK Employers' Liability policy provides at least the legal minimum £5 million cover – however, policies taken out through Gladiator provide £10 million as standard. Since these costs might otherwise have to be paid by your business, it's crucial to get the correct cover in place. Frequently Asked Questions How much is public liability insurance? Do I need public liability insurance? What does public liability insurance cover? Able Insurance Services Ltd Registered in England and Wales as Able Insurance Services Limited Reg. No. 02890075. Registered Address: Floor 4 No. 3 Capital Quarter, Cardiff, United Kingdom, CF10 4BZ. Authorised and regulated by the Financial Conduct Authority (311649). Complaint procedure Conditions of Use Privacy & Security Public Liability Privacy & Security Charges and Fees explained Sitemap Contact Us Accessibility Cookie Policy © 2021 Gladiator. Tŷ Admiral, David Street, Cardiff, CF10 2EH, United Kingdom Gladiator is a trading name of EUI Limited. (Reg No: 02686904). EUI Limited is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register. EUI Limited acts for, and on behalf of, other regulated insurance companies. Further details may be provided on request. Admiral Group plc is registered in England and Wales at Tŷ Admiral, David Street, Cardiff. CF10 2EH (Reg No: 03849958). Necessary cookies Necessary cookies enable core functionality such as security, network management, and accessibility. 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