Any person who happens to be operating a business, as a tradesman, should be aware of the fact that for their business operations there will be the need for them to have provided for public liability insurance. It is a kind of insurance that happens to be popular with businesses such as salons and shops and tradesmen for the fact that it happens to be covering the costs of compensation claims that may be against you for the injury or losses that may have caused to someone else’s property as a result of your business operations. By and large, you will need public liability insurance if at all your business will be coming into contact with third parties such as the case with the tradesmen working on other people’s property.
One question that you may be asking yourself is whether or not public liability insurance is a legal requirement. Precisely, this is not a legal requirement. While public liability insurance is not a legal requirement, you must bear in mind that it is still of great significance for your business looking at the fact that it is one of the things that many clients will often ask of your business before they make up mind for allowing you handle any of their projects. Added to this is the fact that there are some of the trade associations that will only accept you as a member to them when you have provided for public liability insurance cover for your trade, and these are some of the highly reputed trade associations. The following is a mention of some of the trades that will actually require public liability insurance covers for their business operations.
Essentially, in case your business operations happen to be such that gets you in contact with the general public in one way or the other, then you will generally have the need to provide for public liability insurance. On the other hand, if at all in the cause of your operations you happen to be at risk of causing damage to property, there is as well a need for you to have public liability insurance. Typically, for anyone involved in any of the trades mentioned following would require a tradesman insurance cover; sign writers, painters and decorators, plumbers, builders, electricians, carpenters and gardeners. However you need to note that this is not the comprehensive list for there are quite a number of the other businesses that would require this insurance product.
Public liability insurance covers accidents that may happen to the third parties that you come into contact with in the course of your operations that causes such persons losses or injury to their property.