As most people will know Public Liability Insurance is where the Insurance policy will protect the Insured for any third party property damage or third party injury that they may be liable for throughout the course of their work, however there are also some add-ons that you can get which increases the cover that you receive, and below I will explain what extras you can have and what it would cover you for.

The first extra is Employers Liability Insurance and this one is legally compulsory if you should take on any employees and its uses are very simple. Employers Liability Insurance will cover the employer for any case where they are held liable for any bodily injury that may occur on their employees through something that they have asked them to do, for example if the tools that the employer had provided had malfunctioned then they would be held liable for the employees injuries and compensation would have to be paid, which is where the insurance comes in.

On some trades you can also add Tools cover which is pretty self explanatory and will cover the insured’s tools for any loss or damage that occurs to them throughout the course of their work. This damage would have to be traceable to an occurrence of something that has happened to damage them and therefore damage by things such as wear and tear and rust would not be covered, nor would any mechanical, electronic or electrical item would be covered if it just broke down and was not damaged by anyone or anything.

Another Policy Extra that you can get added on to your Public Liability Insurance Policy is goods in transit cover, which basically means that the insurance will cover you in respect of any loss or damage to any goods (as long as they are relevant to the work that you are doing) whilst they are inside the vehicle or being loaded on or off the vehicle and will pay up to £2000 for any one occurrence that may happen.

Public Liability Insurance is generally a small premium for the year and obviously any of the above extras would increase the premium; however they would also increase the cover that you were getting. Many people however do not know about the extras that you can have on your policy and therefore are unaware that things that they wish could be covered can by most insurers.