Public Liability insurance - multiple trades

[ots366]

Hi,

I'm in the process of going full-time self employed, and looking at the insurance aspect.

I have worked self employed before, but handling a single specific trade (market trader)

To go full time, I need to run two or three different trades at the same time, Namely IT consultancy, Business Consultancy and (the wildcard!) Furniture restoration & Repair.

Looking at public liability insurances, they will only cover specific named trades, and not provide a 'blanket' cover for what I would wish to do.

Will I need to take out separate public liability insurance for each trade I perform or are there companies out there who can be more flexible?

I guess the same also applies for professional indemnity, but that mostly apples to the IT side of the proposed business so thats OK.

Any recommendations?

Many thanks

O.

 

[lockyer]

A good broker (such as myself) will be able to sort a policy that cover the lot. They may have to separate the PI and the liability.

The reason you are having trouble finding the cover ( i presume you are looking online) is that you definitely don't fit in a box, so you won't find the box online to tick.

if you need a hand just shout.