23Mar/104
L' personal insurance and responsabilit̩ civil РAre it possible d' to have a policy combin̩e?
I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.
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March 23rd, 2010 - 23:13
Shouldn’t be a problem. . . call an insurance agent.
March 23rd, 2010 - 23:16
Landlords typically are looking for a General Liability policy which would pay for injury to someone who gets injured on your rented premesis as well as pays for defense costs for product liability (i. e. you leave a staple or nail sticking out of a peice of furniture and it injures someone). The nice thing about this is that you can generally couple this with a property policy (to cover your equipment and inventory) in what’s called a BOP (Business Owners Policy). I am not too familiar with the market in the UK as I am from the US, but I would assume it’s not much different.
So after all that, the short answer is yes, just call an insurance agent and let them get you some quotes. Insurance companies that will sell you a policy over the internet probably won’t be able to help you out with this one.
Good luck!
March 23rd, 2010 - 23:31
OK, I filter issues Only U.S. (not just English), what happened, so I’m guessing that maybe you do not get many answers United Uni.Ici the U.S., and most of the rest of the world it’s true – there are two different types of responsibility – personal and business. “Public” is a misnomer – the public can be either personal or business. Or maybe it’s just a way UK to say “business”. But you can not combine the two. The core index and the covers are extremely divergent. Responsibility for operations do not include personal responsibility, but it does not extend coverage to some extent, more employees in the job. With exclusions, of course.
March 24th, 2010 - 00:18
Normally, you get two separate policies. But this should not be a big deal.