Hi,
I got a contract trialling ports at a big computer firm. They insisted I had public liability insurance and workers liability.
I duely got rear legs policies.
On the 1st day of the undertaking we damaged an expensive piece of carrying out tests equipment.
Do I claim against the public liabilty insurance? am I in certainty even covered?
Thanks
Answers: You will need to check beside your insurers, it will depend on what has happen and who the test equipment belongs to. If it belongs to your client it is feasible to be covered, however there may be an exclusion on your policy, relating to defacement to property you are working on.
In general, Public Liability Insurance covers you for any damages that a partaker of the public may be awarded as a result of injury or damage to them or their property cause by your business. It also covers legal fees and other expenses to do next to defending any claim. To be sure, read the policy document as it should outline what is and isn't covered, or just phone up your insurer. Did this piece of trialling equipment belong to you? If yes then liability insurance will not cover this. A property policy would, depending on how the item be damaged and your coverages. If no, be this a piece of equipment that you were working on (i.e. repairing or testing)? If yes, next the liability policy would not respond as no liability policy makes obedient faulty workmanship. If other property be damaged (i.e. you be working on a piece of equipment that caught fire and damaged equipment contained by the rest of the room that you weren't working on) then the disrupt to the other property would be covered, but not the item you were working on. If no afterwards your liability policy would respond, as it covers bodily injury and property damage cause by your business actions, however check to see if the amount of damages is okay above your deductible or else it would not be worth making a claim..
no you cannot claim on a public liabilty insurance
this insurance is for accident say for exaple a accomplice of the public was walking down stairs surrounded by a building you owned and the stairs where not past the worst and they fell and ijured them self then they would claim of your public liabilty insurance to be exact what this insurance is for What your policy should give you is insurance against CONTINGENT LIABILITY. The covers you for disrupt or loss due to the work you are doing and has zilch to do with public liability.
If you enjoy tools cover on your policy then conceivably yes - if not after no. However I'd be surprised if there wasn't an exclusion against you working on or close by computer equipment.
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I got a contract trialling ports at a big computer firm. They insisted I had public liability insurance and workers liability.
I duely got rear legs policies.
On the 1st day of the undertaking we damaged an expensive piece of carrying out tests equipment.
Do I claim against the public liabilty insurance? am I in certainty even covered?
Thanks
I requirement a advocate that deal beside collecting duration insurance?
Answers: You will need to check beside your insurers, it will depend on what has happen and who the test equipment belongs to. If it belongs to your client it is feasible to be covered, however there may be an exclusion on your policy, relating to defacement to property you are working on.
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In general, Public Liability Insurance covers you for any damages that a partaker of the public may be awarded as a result of injury or damage to them or their property cause by your business. It also covers legal fees and other expenses to do next to defending any claim. To be sure, read the policy document as it should outline what is and isn't covered, or just phone up your insurer. Did this piece of trialling equipment belong to you? If yes then liability insurance will not cover this. A property policy would, depending on how the item be damaged and your coverages. If no, be this a piece of equipment that you were working on (i.e. repairing or testing)? If yes, next the liability policy would not respond as no liability policy makes obedient faulty workmanship. If other property be damaged (i.e. you be working on a piece of equipment that caught fire and damaged equipment contained by the rest of the room that you weren't working on) then the disrupt to the other property would be covered, but not the item you were working on. If no afterwards your liability policy would respond, as it covers bodily injury and property damage cause by your business actions, however check to see if the amount of damages is okay above your deductible or else it would not be worth making a claim..
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no you cannot claim on a public liabilty insurance
this insurance is for accident say for exaple a accomplice of the public was walking down stairs surrounded by a building you owned and the stairs where not past the worst and they fell and ijured them self then they would claim of your public liabilty insurance to be exact what this insurance is for What your policy should give you is insurance against CONTINGENT LIABILITY. The covers you for disrupt or loss due to the work you are doing and has zilch to do with public liability.
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If you enjoy tools cover on your policy then conceivably yes - if not after no. However I'd be surprised if there wasn't an exclusion against you working on or close by computer equipment.
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