Public Liability - Carpet Fitters

When considering taking out public liability insurance cover for your carpet fitting business, you should look no further than Performance Direct!

Putting time and patience into each and every policy, we understand how important it is to tailor make public liability cover specific to you and your carpet fitters business as, should you ever need to make a claim or a claim be made against you from third parties, you’ll be fully covered and not left openly liable. 

Here at Performance Direct, we’ll take all of the necessary steps to ensure that you have the correct level of public liability insurance in place, taking advantage of our public liability schemes and market discounts to their fullest,  not only saving you money by offering a competitive quote, but time as well by searching the market for you.

 

Simply give us a call today on 01708 572 494 to run through a public liability quote, or check if you do in fact have the correct level of cover in place to secure your business from third party claims.

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Business Liability Insurance Specialists

It is imperative that your business has the correct liability insurance. Performance Direct Business Insurance has years of experience dealing with all aspects of business and commercial insurance.

As a multi award-winning chartered insurance broker, we are commited to delivering the highest levels of excellence in professionalism and work with businesses, locally and nationally, where we deal with all types of commercial insurance for a huge range of business types including contractors, SMEs and larger scale businesses.

Whether you require a comprehensive insurance package or a small business insurance quote, Performance Direct is the insurer of choice for a growing number of UK businesses.

So, contact us today. We'll guide you through all the options, saving you time and money and making sure you have the right policy for your business needs.

For the best cover ask Performance Direct Business Insurance first.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

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Benefits of our Insurance Policies

  • Flexible payment options

  • Dedicated account handler

  • UK call centre

  • Access to Lloyd's of London markets

  • Wide policy coverage

  • Claim management service

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

Rated as excellent on Trustpilot with over 14,000+ reviews

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Why choose Performance Direct?

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies­—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

What is public liability insurance?

Although not legally an essential, putting a public liability policy in place or checking that you do in fact have the correct level of public liability cover with your current insurer, could make all the difference to your carpet fitting business, should ever need to make a claim, or, have a claim made against you via third parties.

Having a profession where contact with the public on a daily basis is carried out, carpet fitters and floor layers/tillers are employed to carry out jobs within the third parties home for the agreed sum or fee. Surrounded by the third parties property and possessions, should you make a small slip-up or accident and damage the property or injure the third party, you could be left extremely liable and open to extortionate claims.

Accidents can occur at any time throughout the duration of your work for the third party so you should always consider the potential and likely risks. Although it may only be an accident, small or severe, the third party is entitled to make a claim against you and your business for the accident, loss, damage or disease that they incur. You could be held liable should the third party make a claim, meaning that you could have to pay out hundreds if not thousands of pounds for compensation and court fees.

Having the correct level of public liability cover in place could potentially save you and your business from having to pay out extensive fees for what may have only been a small incident. Considering public liability insurance for your business, or checking that you have the correct level of cover in place is always highly advised.

 

Why should you have Public Liability Insurance?

Fitting carpets on third party premises is a job that needs to be handled with direct precision and care. Awareness of property and possessions should be considered at all times during the period of time that the job is carried out for. The smallest mistake, damage to property or accident involving injuries to the third party, could all potentially incur a claim especially due to carpet fitters carrying sharp tools and equipment.

Some examples could include, incorrectly fitting a runner or not securing all edges to the carpet fitted, meaning the third party could trip and incur an injury. Tools left unattended whilst carrying out the job could cause damage or injury to the third party or their property. Even damage to other property inside the home such as radiators or plug fixtures could all lead to a claim arising. Having the correct Public Liability cover in place will protect you from this.

If an accident or loss were to ever occur to a third party member whilst on the premises or under the care of your business, as a carpet fitter, you could potentially face extortionate legal fees for courts or compensation that could potentially harm your business.

Policies for carpet fitters and any other small businesses should be tailor made to you and your company’s prospects and needs. Should someone ever make a claim against you, each detail within that carpet fitters public liability policy will cover you from having to pay out the extortionate fees – potentially becoming the difference between your business being a success or going bust.

Public Liability Insurance will cover you from all types of third party claims. Public Liability Insurance will not cover you from claims made by employees, temporary staff, students, temporary apprentices or those on work placement, you will need to take out an Employers Liability policy should you employ or take on any of the listed. 

In comparison to a public liability policy, if you employ any of the above from the list, you will legally need an employer’s liability policy in place.

Employers Liability Insurance is a requirement by law for all business that hire employees or temporary workers. Taking out an employer’s liability policy for a minimum of £5 million is something that is deemed highly required should you employ anyone to carry out work for or on behalf of your business. If you think you may need employers liability insurance or would like to check if you do in fact have the correct level of cover for your business, why not give us a call today on 01708 572 494 to speak to one of our specialist advisors.

How is my public liability policy calculated?

Premiums for public liability policies are calculated on several aspects of your business. The nature, size and structure of your business can all play a part on how pricey your public liability policy could be.

Performance Direct’s aim is to provide assurance that our knowledgeable UK staff are on hand consistently and know exactly what to do when it comes to a tailor made public liability policy for carpet fitters. As long as you fully disclose all the facts about your business, covering you should be a quick and simple process. Taking just minutes to set up, having the correct public liability policy in place could make all the difference should a claim arise.