Locksmith liability insurance cover
Even though it might seem that you are under less risk as a locksmith than with other trades in the UK, there is still a need to get a good Locksmiths Public Liability Insurance policy in place. Whilst you might not be at the same level of risk as a roofer, for instance, or a builder, you are still in a position whereby your equipment is at risk of theft and loss – damage – and whereby you’re exposed to a certain amount of risk when it comes to damaging the property of a client. Furthermore, your equipment could cause someone an injury like a being an obstacle on the ground causing a member of the public to trip and fall. This incident will cause an injury and in turn the member of the public will initiate a compensation claim against you.
These are just two factors that need to be considered when it comes to buying a public liability insurance policy for locksmiths. It is also important to realise that a good locksmiths insurance policy will cover you against any legal expenses that are resultant of somebody suing your company.
Whilst it might seem unlikely, a member of the public or someone you are working alongside might be injured because of an unforeseeable accident. You could be facing legal fees, in some situations, that reach into the hundreds of thousands territory. There’s a lot of businesses that have had to stop trading because they failed to get adequate locksmiths insurance and subsequently failed to meet the costs of a claim brought against them.
Everyone knows that society is a litigious place these days, and that any tradesman is at a heightened risk of having to deal with a personal injury claim being brought against them. It is good to have the peace of mind, therefore, to know that any such event will be covered by your insurance provider, for a comparatively nominal monthly or annual premium. There are also plenty of other things to consider.
You might be put in the unforeseeable position whereby your tools get lost or stolen . Replacing tools is not getting any cheaper these days, and accidental damage to your equipment, along with loss or theft, is something that can be dealt with swiftly by your locksmiths insurance provider – instead of you having to dip into your business’ funds.
Vehicles that are being used on behalf of your business can sometimes be involved in situations whereby damage is brought against the property of another person. This is something that can cause immense stress, and so having good locksmiths public liability insurance in place is essential for you to be able to function, as a business, without having to worry about when accidents might occur. Most importantly the also offers you peace of mind that you are covered should a claim occur..
Self employed liability insurance policy
It is relatively easy to get your public liability insurance policy. Just click on the Get quotes button, complete the questionnaire and you will be offered free quotes to choose from. All our quotes offer top-level protection cover at a good honest premium charge. Please try our quotes!