Rank: Super forum user 
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I am a self employed H&S consultant and work from a home base.
My work is done either at home in the Study or out at various premises/sites owned by my clients.
I have one person who does some work for me, my wife - she is self employed and does accounts, sometimes shopping for stationery etc. (Makes a good cup of tea as well as cleaning the office).
I do not have work related visitors to my home. I do not manufacture anything.
I spoke to my PI insurers last week about including an insurance for another type of H&S activity and the broker suggested I should have Public and products liability insurance as well.
I would like to know if other self employed consultants in a similar position have this cover, and/or even think it is necessary?
many thanks.
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Rank: Super forum user 
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Public liability insurance is to protect you if you drop the proverbial spanner in the works at your clients site. Very often a requirement by savvy clients.
You manage to knock a barrel of anchovies off the unprotected edge of the mezzanine in to the custard vat, causing a big dollop of the very hot gloopy stuff to cascade over the fork lift truck operator, scalding him who then hits and punctures the oil tank... etc
When the property and business interruption insurers of your (ex) client start to sue you for being negligent you may be glad of the policy. Your existing PI policy will not cover physical damage.
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Rank: Super forum user
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David, that you for your very entertaining answer, you must be a trainer who certainly captivates the audience.
I wonder if you are talking from experience of a previous misdemeanor?
You do talk sense.
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Rank: Super forum user
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Thanks Firesafety. I try but my family disagrees with your conclusion.
No fishy custard incidents although when I was very inexperienced I managed to fill up a client's Triumph Spitfire with sprinkler drain water. My employer at that time did not sack me but I learned a valuable lesson: always use a false name to sign in at reception! He too learned to raise his roof when parked.
Also responsible for a 3-pump call-out on a chemical plant in my younger days when testing the alarms.
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Rank: Super forum user
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ha ha ha we should all learn from our mistakes. I once filled my diesel car with petrol, very expensive mistake as I had to get it towed away and emptied out before filling with diesel.
Then when I did it a second time - only to realise what I was doing when the tank was half full - I topped up the tank with diesel and got away with it. A few miles of smoky stuttering but the next tank full of diesel did the trick.
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Rank: Super forum user 
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David Bannister wrote:
No fishy custard incidents although when I was very inexperienced I managed to fill up a client's Triumph Spitfire with sprinkler drain water. My employer at that time did not sack me but I learned a valuable lesson: always use a false name to sign in at reception! He too learned to raise his roof when parked.
Ah yes - testing the 4" inch test valve on a towns main system. Did a similar thing and sent a deluge of water heading over the road towards a utility gang working in an excavation. Lots of startled faces appeared, staring, like meerkats, at the water cascading towards them. Fortunately, the road camber was just sufficient to spare them and my blushes.
Always checked the 4" outfall after that one.
A colleague also managed to shear a valve wheel on another test so the rule went round the company - always get a client employee to turn the valves, just in case.
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