Public Liability Insurance

[Norman]

Evening folks.....

As usual looking for some help and advice from the forum......My wife has a small jewellery business....she makes the items at home and only sells through her website.

Does she need Public Liability Insurance...

thanks guys

 

[gogs]

I'm no expert but I would very much doubt it, it's normally for when customers come to your premises.

Sure someone with more knowledge can clarify or correct this.

 

[Deleted member 59730]

Yes, of course. She will then be covered if a small piece of wire, a sharp edge on a clasp etc causes injury.

 

[gogs]

Is that not taking it to the extremes?

Would an online shoe retailer have cover incase somewhere hangs themselves with the laces....or if the decide to cross the road whilst wearing their shoes and get hit by a car.

I think in America it might be more of an issue

 

[PhilWarman]

Does she "need" it - i.e is it a legal requirement - No its not.

If she was employing people then she would need to take Employers Liability cover and that comes along with Public Liability.

I agree that you can sometimes take these things to the extreme, but for the small premium this would be (and it will be small) in my opinion its worth it.

Happy to assist if you PM me some details.

 

[TheGuru2010]

Does she "need" it - i.e is it a legal requirement - No its not.

If she was employing people then she would need to take Employers Liability cover and that comes along with Public Liability.

I agree that you can sometimes take these things to the extreme, but for the small premium this would be (and it will be small) in my opinion its worth it.

Happy to assist if you PM me some details.

I would certainly take this advice for anyone working from home, We have insured people from as little as £100. Is it worth the chance for £10 Per month?

 

[kulture]

Yes, of course. She will then be covered if a small piece of wire, a sharp edge on a clasp etc causes injury.

This would be product liability, not public liability. AND YES she should have this.....

 

[Paul Baldwin]

Like Phil and The Guru say although there is no legal requirement to have this cover it is well worth considering especially bearing in mind the relatively low cost

 

[weevil68]

If you don't have personal contact with the public then you don't need public liability, product liability however would be advisable.

 

[Esk247]

yes it's product liability that is required. public liability isn't needed as she isn't dealing with the public and doesn't have a shop. the product needs cover though. it's relatively cheap and you can get cover for the UK and USA cheaply.

 

[lockyer]

As guru has suggested a working from home policy would be a cost effective answer to this, and these types of policy include public and products liability insurance. They can also extended to cover working at craft fairs and markets too.