Do I/We really need Public Liability Insurance?

[ladymuck]

But also

https://www.contractoruk.com/insuran...liability.html

Ah..fair enough. As with everything, the devil is in the policy detail.

[Fred Bloggs]

I hesitate to offer this as serious advice, but I have been known to tell agents that as soon as I have paid my insurance renewal, I will forward the details onto them. They never ask after the event and I guess over the years, I saved a lot of money by not paying insurances that I was 99.99% certain would never be required in the real world.

[northernladuk]

I hesitate to offer this as serious advice, but I have been known to tell agents that as soon as I have paid my insurance renewal, I will forward the details onto them. They never ask after the event and I guess over the years, I saved a lot of money by not paying insurances that I was 99.99% certain would never be required in the real world.

That's true but what if you needed it in that 0.01% chance? I've paid car, house and life insurance for a combined total of 100 years and never needed it. Should I cancel them. But that said, I can't not agree, chance of PL or PI being clamed is nil but why risk breach of contract for less than 100 quid?

[Lance]

I hesitate to offer this as serious advice, but I have been known to tell agents that as soon as I have paid my insurance renewal, I will forward the details onto them. They never ask after the event and I guess over the years, I saved a lot of money by not paying insurances that I was 99.99% certain would never be required in the real world.

most agencies I've worked with have a compliance department who chase you when the insurance you've shown them expires.

[Fred Bloggs]

most agencies I've worked with have a compliance department who chase you when the insurance you've shown them expires.

And when I have told them I will send the details on once I have renewed, that's the last I heard about it. In any case, I can't say I recommend this action to everyone, but I have done it in the past and saved myself quite a bit of money.

[SueEllen]

most agencies I've worked with have a compliance department who chase you when the insurance you've shown them expires.

But some do not.

I only have public liability insurance if I know or I am actually working in an office block or complex with shared toilets, shared kitchens or whatever shared facilities.

If the office building is fully rented out or owned by the client company then I let my policy lapse.

(Oh and you can find this out if you interview at the actual premises or do a search online for where client company offices are based.)