No, not usually. Subcontractors are typically expected to hold their own insurance, although some policies may extend cover to certain labour-only subcontractors.
Yes, in most cases. Public liability insurance is commonly expected when working on construction sites to protect against third-party injury or property damage claims.
Yes, if included. Public liability insurance can cover incidents at events, provided your policy includes event-related activities or specific event cover.
Yes. It is common for clients, venues, and contractual agreements to require evidence of an appropriate level of liability cover before work can begin.
If a client or member of the public is injured on your premises and your business is found to be at fault, public liability insurance can help protect you against resulting claims and associated costs.
Yes. Public liability insurance is generally designed to cover accidental damage to third-party property where your business is found to be responsible.
No, not usually. Standard public liability insurance typically applies only within a defined geographical area. Cover for overseas work may be available as an extension, depending on the policy.
