Work situations
Insurance questions prompted by customers, contracts, venues and changes in the way you work.
8 detailed guides
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Each page answers one practical question and points out the details worth checking in a quotation or policy.
A client has asked for public liability insurance
Ask for the required limit and insurance clause in writing, then check that your policy covers the named business, the job and the full contract period.
Read guide Work situationsPublic liability insurance for tenders and contracts
Tender documents often state minimum cover and evidence requirements. Read the whole insurance section before pricing the work, because compliance can affect cost and eligibility.
Read guide Work situationsPublic liability insurance for events and exhibitions
Organisers and venues commonly ask exhibitors, performers and suppliers for public liability evidence. Cover needs to span setup, the open event and breakdown where those periods create risk.
Read guide Work situationsPublic liability insurance for market stalls
A market operator may require cover before allocating a pitch. Describe what you sell, how the stall is secured and whether you make, import, prepare or merely resell the goods.
Read guide Work situationsPublic liability when working in customers’ homes
Domestic work brings you close to floors, furniture, pets, children and hidden services. Tell the insurer exactly what you do and check restrictions on the property being worked on.
Read guide Work situationsPublic liability on commercial sites
Commercial sites can mean more people, expensive equipment and stricter access rules. The policy and the site contract both need to fit the work.
Read guide Work situationsPublic liability insurance and subcontractors
Tell the insurer how you use subcontractors and whether they work under your direction. Contracts should set insurance requirements, but your own responsibilities do not disappear because somebody else did the task.
Read guide Work situationsCan you get public liability insurance for one day?
Short-period cover may be available for some activities, especially events, but it is not automatically the best fit for a business that trades throughout the year.
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