Public Liability Insurance
for Builders

Public Liability Insurance protects your business from financial losses if a member of the public is injured or their property is damaged as a result of your work. Here are some key things it covers:

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• Accidental injury to a member of the public: This covers situations where someone is injured due to your negligence while you're working on a job. For example, if a customer trips over a tool and breaks their arm, or if you accidentally knock over a ladder and injure a bystander.

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• Damage to a member of the public's property: This covers situations where you accidentally damage a customer's property while working on their house or business. For instance, if you accidentally drill a hole in a customer's wall or leave a paint spill on their carpet.

We understand you might have questions about what your public liability insurance covers. While we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

Here are a few examples of situations typically not covered by public liability insurance:

• Damage to your own property: This policy protects against third-party claims, so if you damage your own tools or equipment, it wouldn't be covered.

• Asbestos-related claims: Due to the specific risks involved, these claims are usually excluded.

• Intentional acts: If you intentionally cause damage, it wouldn't be covered.

• Cyber Liability and Computer Viruses/Hacking: Public liability doesn't cover data breaches or cyberattacks. Consider cyber liability insurance for this.

Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

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Business changing? We can adjust your public liability insurance with ease!

Our public liability insurance is flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your public liability insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

You can report your claim to our claims line on 020 3808 8533 or via email to claims@admiralbusiness.com.