Public Liability Insurance?

Nodferatu · 21-06-2016 5:53pm #1

I need some info on where to get information on public liability insurance or if it would be needed for a very small business?
My wife just started making crafts and homemade jewellery, decoupage wooden trinkets etc and wants to start selling at stall's.
A local area is having a fair in a month where there will be stall's and the secretary told her, she would need public liability insurance.
so advice is appreciated where we go from here!! Thanks

jimmii · 21-06-2016 6:25pm

Most insurance companies will offer a suitable product some even have specialist products for markets. Just give a few a ring or you might even be able to get it via chill etc.

Nodferatu · 21-06-2016 6:43pm

Ok, i'll ring a few and see what i get!!

jimmii · 21-06-2016 6:55pm

Nodferatu wrote: »

Ok, i'll ring a few and see what i get!!

Its not too expensive should be around €200 for the year not sure what it would be like for a one off event if that's the plan.

duploelabs · 21-06-2016 7:46pm

MAST specialise in this

jimmii · 21-06-2016 8:35pm

duploelabs wrote: »

MAST specialise in this

Totally forgot about them good shout.

SEPT 23 1989 · 21-06-2016 8:38pm

Go to a broker they will tailor a policy to suit your business

duploelabs · 22-06-2016 11:38am

jimmii wrote: »

Totally forgot about them good shout.

For what I do I was quoted around €600pa from every broker I went to, MAST (for exactly the same cover and liabilities) were €330pa

alfaromeo84 · 22-06-2016 12:48pm

A market stall should not cost more than €200 approx for PL cover. And thats an annual policy.

jimmii · 22-06-2016 2:45pm

duploelabs wrote: »

For what I do I was quoted around €600pa from every broker I went to, MAST (for exactly the same cover and liabilities) were €330pa

We were paying ~€400 for a 2000sqft shop that seems very high for a market. We got a quote for £2m coverage recently for £140 for a trade show.

duploelabs · 22-06-2016 2:55pm

jimmii wrote: »

We were paying ~€400 for a 2000sqft shop that seems very high for a market. We got a quote for £2m coverage recently for £140 for a trade show.

I'd say as I do food then it bumps it up considerably

jimmii · 22-06-2016 3:03pm

duploelabs wrote: »

I'd say as I do food then it bumps it up considerably

Yeh that would make a big difference I would think mistook you for OP!

skimol · 02-10-2016 11:39am

would it be possible to get PLI that covers UK tradeshows?

duploelabs · 02-10-2016 2:13pm

skimol wrote: »

would it be possible to get PLI that covers UK tradeshows?

Only a broker could answer that concisely

Gloomtastic! · 03-10-2016 7:11pm

skimol wrote: »

would it be possible to get PLI that covers UK tradeshows?

Also speak to the organisers. They may provide it.....

Rosalind151 · 28-03-2017 10:54am

When you guys say "broker" is that the same as an insurance company (e.g. Chill, etc)? I rang Chill - they don't seem to do PLI.

pedroeibar1 · 28-03-2017 11:45am

Rosalind151 wrote: »

When you guys say "broker" is that the same as an insurance company (e.g. Chill, etc)? I rang Chill - they don't seem to do PLI.

Brokers are not insurers – a broker approaches several insurance companies to obtain quotes for your risk, and uses its skill to advise you of the best option and then places the risk with your choice. Chill is a broker, not an insurer.
Some brokerages have developed into online comparison sites and specialise in plain/simple products only and leave the ‘complicated stuff’ to specialists. Those specialists often have minimum premium requirements and won’t deal with the small stuff.
Other sites e.g. 123.ie are insurers trading under a different name (123.ie = RSA)

Public Liability Insurance?

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