Being self-employed is a liberating and fulfilling decision that can give you the life you’ve always wanted for yourself. But with its perks comes the risks – when you don’t work for a company or anyone else, you are solely responsible for all the claims and damages in cases accidents or misfortunes occur.
One of the best things you can do for yourself and your business is by getting public liability insurance. It’s easy to get self-employed public liability insurance quotes from companies without you having to pay a fee. You can look at your options, compare from the best companies, and get to choose a plan that works best for you.
Whether you’re working as a freelance computer engineer, a carpenter, or a solar panel installer, you need to be protected from unforeseen circumstances. Accidents can occur anytime and anyplace, and you need to have the peace of mind that if a customer or a 3rd party sues you for damages or injury, you are fully equipped and covered to do so without having to dig in your own pocket.
Let’s take a look at this scenario: You work as an alarm installer and you accidentally put a nail into a pipe, causing water leakage. This means the customer needs to hire a plumber to have it fixed. Do you pay for it yourself? If you don’t have public liability insurance, you’ll definitely have to, which could really cost you a lot and affect your business.
But if you have insurance, you can have it covered by your plan and continue with your job.
Here’s another example: You’re contracted to replace tiles on a roof of a residential home and you accidentally dislodge one of the tiles. It falls off the roof and hits a person on the ground. If you don’t have insurance, you will have to pay the medical bills at the hospital and all the other medical needs the individual will need to fully recover from the injury. And worse, if the individual sues you for the injury, you will have to get yourself a lawyer and miss work to attend settlement hearings or worse, a trial.
Self-employed public liability insurance quotes can easily be had online, so if you don’t have it now, it may be the time you consider getting one your business to give you the peace of mind and security that you need.
You don’t need to get public liability insurance to be able to operate your work or business. Whether you work in customers’ homes or have your very own workspace, it is not required by law. But it will definitely secure your business. And it’s important to take note that if you sub-contract for a company, employers are very likely to insist that you have it – for their own protection, too.
In the UK, more and more public liability insurance claims are made each year, due to the fact that more and more people are becoming aware of their rights to seek compensation. Self-employed public liability quotes will help you decide which plans to meet your needs the most, so you can have the peace of mind that your livelihood will be protected.