Public-liability insurance is not compulsory to have, if you are single person working alone. But any company or organization should consider this insurance before they start the work in order to cover themselves and their company.
Protecting the business against the claims for damage to third party individuals or property belonging to third parties, is the main purpose of the public-liability insurance. There are businesses
which do not need this type of coverage. Suppose if you are self employed, working from your home, you have no need to go onto the client's property and never inviting the clients into your business area, then you need not have this type of coverage. But if you carry the business, where customers or clients visit frequently, or you are self employed and you need to deal with properties of the third party then it is necessary and need to have this type of basic coverage. There are some examples, such as:
A carpet fitter, who need to go to clients home. If he knocks any vase or if he causes to damage any valuable object, while doing carpet work, he has to pay to repair or replace of such item. In this case public-liability insurance is very useful to them.
If a roofer dropped a thing, caused damage to the third party while doing work, then public-liability insurance can protect him from claims made by third parties. Many trades like builders, bricklayers, carpenters, painters, and decorators, plumbers and many can get this public liability-insurance.
This information may help you to realize the businesses need of public-liability insurance in order to protect themselves.
Protecting the business against the claims for damage to third party individuals or property belonging to third parties, is the main purpose of the public-liability insurance. There are businesses
which do not need this type of coverage. Suppose if you are self employed, working from your home, you have no need to go onto the client's property and never inviting the clients into your business area, then you need not have this type of coverage. But if you carry the business, where customers or clients visit frequently, or you are self employed and you need to deal with properties of the third party then it is necessary and need to have this type of basic coverage. There are some examples, such as:
A carpet fitter, who need to go to clients home. If he knocks any vase or if he causes to damage any valuable object, while doing carpet work, he has to pay to repair or replace of such item. In this case public-liability insurance is very useful to them.
If a roofer dropped a thing, caused damage to the third party while doing work, then public-liability insurance can protect him from claims made by third parties. Many trades like builders, bricklayers, carpenters, painters, and decorators, plumbers and many can get this public liability-insurance.
This information may help you to realize the businesses need of public-liability insurance in order to protect themselves.
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