Advice or knowledge on public liability insurance

[chewit7]

I'm getting so many mixed messages from different insurance companies

I do computer repairs and resell from my office

i am looking to get pub liab insurance

But some say i need to get legal cover also

but i cannot work out if its needed and why would i want it

Also for example if i take it with direct line wont be covered unless 51% of winning case
Crazy

 

[paulears]

My business was a bit strange and I couldn't;t find suitable quotes - try https://www.hiscox.co.uk they seem to be able to offer decent prices and tailor the right package for you - just have a chat.

 

[ImranR]

Employers liability is a legal requirement if you employ someone.

Public liability is not a requirement but valuable to have. This is in case you fix someone's computer and it burns their house down after a faulty repair.

Legal cover will cover legal fees in the case of a dispute. But read the small print. There are only certain disputes it will cover. You may find that it won't cover most of the legal disputes you might find yourself in.

 

[Darren_Ssc]

But some say i need to get legal cover also

Legal cover is pushed with a lot of insurance because there are so many exclusions that it is

My business was a bit strange and I couldn't;t find suitable quotes - try https://www.hiscox.co.uk they seem to be able to offer decent prices and tailor the right package for you - just have a chat.

Just tried that link, gave up after the 15th prompt for extras.