Public liability insurance

[MC GB]

I am after some advice regarding public liability insurance.

I want one insurance to cover 3 trading divisions of the business (Design services and public training, Art for adults, Art for children)

Is this possible or do I have to have 4 different insurance policies like AVIVA have advised?

 

[ImranR]

Nonsense. Go to a broker and they can negotiate appropriate terms for you with a single insurer.

 

[Chris Ashdown]

Presumably there are different risks for each area and the cheapest option would be to separate them into different policies

You don't say if the different trading departments are seperate ltd companies

A broker may well be your best choice