Does Public Liability cover everything I need?
Public liability insurance is the best start point for subcontractors, however, it does not offer everything you will need for your business. Firstly, if you have employees, by law you must have employers’ liability insurance. To not have this puts your staff at risk. In addition to this, there are a number of additional covers that will offer further protection for your business in the event of damage, injury or loss of equipment or tools. All risk insurance and equipment damage cover are recommended for all subcontractors who have staff and multiple tools and equipment.