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Posted By Michael
Dear All,
Does your public liability insurance certificate have to be displayed at each place of your business like employers liability?
Thanks for your help.
Mike
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Posted By Sarah-Jane Brown
No. I believe also there is no requirement in law (some specific exeptions) to have Public Liability Insurance.
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Posted By Phil Grace
Michael,
Not exactly sure what "certificate" you are talking about. I work in insurance and can say categorically that insurers do not issue a Public Liability Certificate in the same way as an EL Certificate.
We do provide contractors with written confirmation of PL insurance but this is so they can prove to their "employer" that is the client, that they do have the insurance cover and indemnity that they claim.
If you could elaborate on what certificate you are referring to I might be able to assist.
Phil
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Posted By Phil Grace
Regarding Sarah-Jane's comment it is correct that their is no legal requirement to have PL insurance. But I'd strongly advise against operating a business without it.
Business activities can result in property damage when working on customer's premises and personal injury can occur - accidents involving customers in shops, visitors to your premises or simply someone walking past your property.
Think about recent case reports in the Practitioner - workmen left a hole unguarded and elderly gentlemen fell in and then died and builder working on a wall in such a poor fashion that it collapsed onto a passerby.
Take out PL and seek advice as to the amount of over you need £1M, £2m or even £5m.
Phil
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Posted By Michael
Philip
We are currently working on a refurbishment of a council run school. Our site manager phoned me and said he had a visit from the council and noticed our employers liability displayed and told him we should have public liability displayed too.
In all my years I have never come acroos this and thats why I asked in the off chance I missed this. I knew it was law to have the same.
Thanks
Mike
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