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Public Liability Insurance?

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  • 21-06-2016 6:53pm
    #1
    Nodferatu
    Registered Users Posts: 1,361 ✭✭✭


    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
    Tagged:


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    #2
    jimmii
    Registered Users Posts: 14,810 ✭✭✭✭jimmii


    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.


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    #3
    Nodferatu
    Registered Users Posts: 1,361 ✭✭✭Nodferatu


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


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    #4
    jimmii
    Registered Users Posts: 14,810 ✭✭✭✭jimmii


    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.


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    #5
    duploelabs
    Registered Users Posts: 11,209 ✭✭✭✭duploelabs


    MAST specialise in this


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    #6
    jimmii
    Registered Users Posts: 14,810 ✭✭✭✭jimmii


    duploelabs wrote: »
    MAST specialise in this

    Totally forgot about them good shout.


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    #7
    SEPT 23 1989
    Registered Users Posts: 43,028 ✭✭✭✭SEPT 23 1989


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


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    #8
    duploelabs
    Registered Users Posts: 11,209 ✭✭✭✭duploelabs


    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


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    #9
    alfaromeo84
    Registered Users Posts: 113 ✭✭alfaromeo84


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


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    #10
    jimmii
    Registered Users Posts: 14,810 ✭✭✭✭jimmii


    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.


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    #11
    duploelabs
    Registered Users Posts: 11,209 ✭✭✭✭duploelabs


    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


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    #12
    jimmii
    Registered Users Posts: 14,810 ✭✭✭✭jimmii


    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!


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    #13
    skimol
    Registered Users Posts: 2 ✭skimol


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


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    #14
    duploelabs
    Registered Users Posts: 11,209 ✭✭✭✭duploelabs


    skimol wrote: »
    would it be possible to get PLI that covers UK tradeshows?

    Only a broker could answer that concisely


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    #15
    Gloomtastic!
    Registered Users Posts: 8,373 ✭✭✭Gloomtastic!


    skimol wrote: »
    would it be possible to get PLI that covers UK tradeshows?

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


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    #16
    Rosalind151
    Registered Users Posts: 43 ✭Rosalind151


    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.


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    #17
    pedroeibar1
    Closed Accounts Posts: 5,108 ✭✭✭pedroeibar1


    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)


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