NLIC.org

Maria Said:

What is public liability insurance?

We Answered:

Public liability insurance is to insure you if anyone makes a claim against you, for instance if you own a market stall and someone injures themselves on your stall in some way and they decide to sue you, usually the insurance you are covered for is about £1,000,000

Milton Said:

Starting drama classes soon, need info on CRB check/public liability insurance?

We Answered:

If you are a company and have a group name for your class or drama group you can apply for a CRB. It can take a while but you can track your application online. You need third / public liability cover which you can get from any insurance broker - the price for this will go up as the risk goes up. Therefore if you are not using electrical equipment or sharp things it will not be too much, if you start introducing computers, lighting equipment, PA etc the price will climb. It is worth exploring if the hall has insurance that will cover your activities which could save you money. Good luck on your venture!

Viola Said:

Starting drama classes soon. Need info on CRB check and public liability insurance?

We Answered:

Speak to your local council to find out what references and checks they require, and ask for their help. Contact any insurance company and ask for their advice about liability insurance and for a quote.

Jorge Said:

What insurance do I need?

We Answered:

Yes, you need insurance! What if you or one of your employees got someone to do an exercise that gave them back problems for the rest of their life??

Johnny Said:

public liability insurance claim?

We Answered:

I think that this will boil down to the contractual conditions that you have with the telecommunications company. As a labour only sub-contractor I am surprised that the contract company do not ask you to carry your own public liability insurance.

The fact that the testing equipment didn't work is probably not of to much relevance because it sounds like the pipe would not have been detected in any event.

A £500 excess for third party property damage is a bit on the heavy side, the normal excess tends to be £250. Maybe you could try this as a point of negotiation?