Rhino Trade Insurance has assisted thousands of tradesmen across the UK to successfully win compensation after suffering a personal injury through public liability insurance. Today, Rhino Trade Insurance wanted to explain a public liability claim and how you can start one today.
Public Liability Insurance is by far and away the most popular, valuable and damn right sensible cover a tradesperson needs! As a skilled tradesman with bags of experience, you are continuously exposed to risks and hazards on a job. That's why this insurance is the most beneficial; it covers a policyholder in the case of a claim made against them. Claims can occur due to accident, injury or third-party damage caused by the insured person's work, accidental death, or potential damage to customers' property.
There are various ways in which a tradesman can get injured. That's why we are here! To help you with your claim:
Public liability claims are subject to time limitations. In the UK, you can claim within three years of the accident. You should make a claim as soon as possible so that there is more time to build the best possible case for you.
Five stages broadly define the process:
When injuring yourself on-site, a tradesman can expose themselves to claims ranging from thousands to millions of pounds! Depending on the severity of the injuries, the impact it has on someone's life, the losses that are a direct result of the injury. Each and every public liability claim is different, and it's difficult to know for sure what the final compensation figure will be.
Two types of compensation can be claimed for: General damages and Special damages. General damages are based on medical evidence: typically, a medical expert's report on the injuries suffered must be obtained. The amount of compensation includes how the injuries affect you now and in the future.
Special damages are intended to put you back in the financial position you were in as if the accident had never happened. This means any out of pocket costs like travel to medical appointments, damage to belongings, loss in earnings, or other expenses. Any receipts and invoices should be kept where possible to prove these losses.
Working as a busy tradesman can bring potential hazards and dangers that many other professions do not. Having the right insurance in place means that you are covered in the event of an accident occurring at work that results in a claim being made. Below are some examples of scenarios that could be covered under a tradesman public liability insurance policy:
Public Liability Insurance is the most common form of tradesman insurance. It is a commodity to any self-employed professional working in the trades. Here at Rhino Trade Insurance, we offer cover at some of the best rates on the market. Through our unique online quote engine, we can provide accurate quotes within just 30 seconds. If you have a question or would like to learn more, contact us here!
Rhino Trade Insurance has partnered with Band of Builders to support tradespeople across the UK. United by a shared mission to make life easier for those in construction, the partnership will also allow Rhino customers to donate to Band of Builders when taking out or renewing their insurance.
What were you doing 20 years ago? It probably feels a lifetime ago. Come with us on a trip down memory lane to explore how the trades industry looked two decades ago.
This ultimate guide to Personal Accident Insurance explains how tradespeople can protect their income if an accident forces them off work, with tax-free lump-sum payouts available whether injuries happen on or off the job.
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