Questions on public liability insurance

[Clinton]

Does a firm registered outside the UK but trading in the UK need to have public liability insurance? If so, under what Act/section?

Is there a body that monitors / prosecutes offenders?

How does one know whether any such offshore firm does have cover (without actually asking them)?

 

[billybob99]

I thought public liability insurance wasn't compulsory in the UK, the only compulsory insurance is employers liability insurance, which is the only legal requirement for businesses that employ staff.

When I got public liability insurance, the first thing they told me was don't put it on your website and don't admit to any clients you have it.

 

[AllUpHere]

As @billybob99 says, I don't think its compulsory for anyone.

 

[Maxwell83]

PL not required by law.

 

[The Byre]

I'd like to buy a fish license and half a bee license - for Eric my half a bee.

 

[Clinton]

I know it's not required for UK registered businesses, this has come up numerous times in UKBF.

But I came across something today suggesting that firms registered outside the UK needed public liability for certain types of trading activity in the UK. Anyway, maybe there's nothing to that. Or maybe it's just required for NHS contracts (ie not a statutory requirement as such).

 

[WaveJumper]

In my previous life we would not give any contractor work unless they had minimum 10m public liability. In my experience any business which employs a contractor which then involves contact or possible contact with the public will want to ensure that are covered.

 

[Mr D]

In my previous life we would not give any contractor work unless they had minimum 10m public liability. In my experience any business which employs a contractor which then involves contact or possible contact with the public will want to ensure that are covered.

yes found that a few times. Contract work requiring particular policies, level of insurance, equipment held on site etc.

 

[billybob99]

Or maybe it's just required for NHS contracts

It's always been required for all the NHS contracts I've tendered for in the past, usually a ridiculous amount as well.

 

[lockyer]

Strangely the only businesses that require public liability by law are equestrian schools.

However it’s not monitored or policed

 

[Root 66 Woodshop]

Personally, I don't get it... I've been told to have public liability for having a table at a makers market one weekend out of a month... which is absolutely ludicrous as I'm pretty certain, if someone falls or walks into the table provided by the venue ... the public liability will fall with the building owner and not me personally...

I should only need product liability, which I do have... for my products.

Why I'm forced into having public liability for ME selling on a market is completely stupid TBH.

 

[Mr D]

Personally, I don't get it... I've been told to have public liability for having a table at a makers market one weekend out of a month... which is absolutely ludicrous as I'm pretty certain, if someone falls or walks into the table provided by the venue ... the public liability will fall with the building owner and not me personally...

I should only need product liability, which I do have... for my products.

Why I'm forced into having public liability for ME selling on a market is completely stupid TBH.

So find a place not requiring the same insurance cover.

 

[lockyer]

Personally, I don't get it... I've been told to have public liability for having a table at a makers market one weekend out of a month... which is absolutely ludicrous as I'm pretty certain, if someone falls or walks into the table provided by the venue ... the public liability will fall with the building owner and not me personally...

I should only need product liability, which I do have... for my products.

Why I'm forced into having public liability for ME selling on a market is completely stupid TBH.

its because its a condition of their public liability that all stall holder have their own.

to play devils advocate, you leave some product on the floor and a punter trips over it, then it would be your problem.....but it could quickly becomes theirs if you haven't got cover.

As an aside your current liability insurer should be able to add it for little or no cost

 

[lockyer]

ps - your website is down

 

[Root 66 Woodshop]

ps - your website is down

Yeah, I'm moving hostings at the moment so I'm in no rush our webby dude is on it - thanks for letting me know though most appreciated

 

[Root 66 Woodshop]

its because its a condition of their public liability that all stall holder have their own.

to play devils advocate, you leave some product on the floor and a punter trips over it, then it would be your problem.....but it could quickly becomes theirs if you haven't got cover.

As an aside your current liability insurer should be able to add it for little or no cost

Ahh that's easier to understand then why don't they just explain these things, rather than annoying people ahh well