Liability insurance

**Bob McLean** · 14-12-2010

I've been in business now for 6 years (sole trader) during which time I've broken tiles whilst carrying them upstairs,(I purchased replacement tiles) I've drilled a hole in an underfloor water pipe (cost me for the plumber to repair). I have now been blamed for causing a break in an underfloor heating mat. I will have to uplift the tiles and replace them and may have to pay for a new heating mat and an electrician to fit.

If I had liability insurance would I have been able to claim for any of the above?

**Dan** · 14-12-2010

Possibly. But you should really have liability insurance for the sake of your customers. If you ever killed one somehow you'd have a bit of cover. (Perhaps not the best way to put it - ha). Though "bad workmanship" isn't always covered on standard policies. You may have to add whatever they call that to your policy.

**faithhealer** · 14-12-2010

didnt know you could work without it to be honest

**Mouldy** · 14-12-2010

Neither did I. Thought it was required by law??

**mikethetile** · 14-12-2010

its not mandatory but only a fool works without it

in answer to your question im not sure how much of the above would have been covered

**Dan** · 14-12-2010

It is really. But I've known quite a few businesses not have it.

We're in the process of setting up an insurance firm ourselves you know. Just too busy at the mo. It'll be like a contractorscompare thing but we will answer the phone and sort you out. haha.

**Mouldy** · 14-12-2010

Been told I need sorting out!

**Dan** · 14-12-2010

Try here: https://www.cetapremium.com/quote/ne...utmk=238055424

This is our temporary provider. If you get a quote, then close the page, tomorrow you'll get a call. Then barter with them a bit.

**Mouldy** · 14-12-2010

A bit?? Bloody hell mate it would have to be more then a bit! Dont think this post is in The Arms so I wont post prices but what they have just quoted me is not even remotely competitive!!!

**Dan** · 14-12-2010

To be fair we haven't been in touch with them for some time so perhaps they've increased their prices somewhat. Like I say as soon as I get time to work on the website we'll have our own brokers and sort you guys out. Try contractorscompare.com and some others and see what the best price is and then PM me with it.