Examples of Liability Claims and Injuries Examples

Examples of property damage

Alarm Installer – Cover yourself against damages to property when you are installing an alarm system. Like drilling through electrical wiring, gas or water pipes and or causing injury to the public.

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Bricklayer – Cover against damage to premises you are working on should your trellis or ladder accidentally collapse, sending bricks falling on to fences, neighbour’s cars or conservatories and/or causing injury to the public.

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Builder – Cover against accidental damage to the premises you are working on. Example: Trellis, ladder, hoists or scaffolding collapsing sending bricks and masonry on to fences, neighbour’s cars or damaging parts of the building that you are not working on and or causing injuryto the public.

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Bathroom Installation – Cover against accidental damage to the premises you are working on. For example you may accidentally cause a leak and this floods the property you are working on causing thousands of pounds of damage and or causing injury to the public.

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Carpenter – Cover against accidental damage to the premises you are working on. For example while fitting a door you manage to put a nail through electric wiring or damage the surrounding area such as an expensive television or ornament and or causing injury to the public.

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Ductwork Installers – Whilst carrying out drilling to walls to put in ducting you could drill electric wires, hidden pipes or if your ladder slips from under your feet you could be hanging from the ceiling which could give way causing structural damage and or causing injury to the public. .

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Drylining – During your general tasks as a dryliner you could accidentally cause damage to a customers property meaning you need to make a claim on your public liability insurance and or causing injury to the public. .

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Glazier – Damage to expensive window frames or damages to carpets and furniture should the glass pane accidentally fall out before permanent fixing.

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Roofers – Ladders may fall or roof tiles may fall and pierce conservatories, damage cars or flat roofs or cause damage to neighbouring properties and/or causing injury to the public.

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Joiners – There has been a large surge in liability insurance for dry liners in the UK due to increased risks with regards to accidentally damaging customers property during the course of the occupation and or causing injury to the public. .

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Plasterers – Cover against damage to property you are working on like: Damaging fixtures and fittings in the area you are working in should your ladder /step ladder fall on them and or causing injury to the public.

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Plumbers – Cover against accidental damage to the premises you are working on. For example you may accidentally cause a leak and this floods the property you are working on causing thousands of pounds of damage and or causing injury to the public. .

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Satellite and/or TV Installers – Cover against accidental damage to the premises you are working on. For example you may accidentally knock tiles of the roof or weaken the chimney you are putting a bracket on and it collapses causing damage to surrounding properties and or causing injury to the public.

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For your own protection you can get a quote by clicking on the Get quotes button.

Common accidents that result in injury to the public for which you will be liable for the injuries caused:

Accidentally dropping a tool or tile from high above ground causing an injury to a member of the public who is either standing by or walking past below.

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Leaving equipment, packaging or tools lying around which a member of the public trips over and injures themselves.

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Leaving hazardous materials around premises which the public is not aware of and has no knowledge on how to handle these materials, especially young children who may play with this toxic material thinking it is safe to do so.

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For your own protection you can get a quote by clicking on the Get quotes button.