Preguntas frecuentes

No. Contractors all risk insurance is designed to cover you for damages outside your control, whereas public liability covers you for damages that a member of the public could possibly bring against you.

Aunque no es un requisito legal, el seguro de responsabilidad civil corporativa es recomendable para proteger a su empresa de repercusiones financieras.

La cobertura puede comenzar desde tan solo £100.000, y si usted forma parte de un organismo regulador, puede haber una cobertura mínima recomendada que deba tener. Le recomendamos que hable con un asesor de seguros profesional que podría ayudarle mejor con sus necesidades.

Electrical contracting insurance can include cover for tools and equipment, public and employers’ liability, contract works and, if you provide any advisory services, professional indemnity.

That depends on whether you provide a design or consultancy based service. If you do, then we recommend adding professional indemnity cover. This will cover you if you make a mistake, such as giving inaccurate information that causes your client to lose money.

Los riesgos que cubre el seguro de responsabilidad profesional incluyen asesoramiento que cause pérdidas, errores de certificación, trabajos de diseño inexactos y negligencia que haya generado pérdidas financieras o daños a la reputación de un tercero.

Si no está seguro de cuánta cobertura necesita, vale la pena consultar la información proporcionada por cualquier organismo regulador del que forme parte.

Not necessarily. Professional indemnity is not a legal requirement, but it is recommended if you’re providing either design and/or advice. If a client insists that you have professional indemnity to secure a contract with them, then you will have to weigh up the costs of purchasing this cover. If you do need both, you can potentially obtain a package policy. For instance, if you’re an IT consultant, you could benefit from getting an insurance policy that covers public liability, employers’ liability, and professional indemnity.

As reported by The Mirror newspaper in April 2023, over a fifth of tradespeople reported having tools stolen from their vans. Protecting against theft is crucial to keeping your business protected against such a financial loss. If you wouldn’t be able to comfortably replace the cost of all your tools, we recommend getting covered.

To get a quote, fill out our quick online form. There are no hidden fees, just straightforward quotes that are tailored to your specific requirements. Our experts can talk through what you need – and what you don’t – to ensure you’re not overspending.

Es posible que no estés legalmente obligado a tener un seguro de responsabilidad civil pública, pero si tienes contacto con el público y existe algún riesgo de daño a personas o a sus propiedades, se recomienda encarecidamente que obtengas cobertura. Esto protege los intereses financieros de tu empresa y también te ayudará a obtener contratos con las autoridades locales si buscas hacer negocios con ellas.

La diferencia es quién hace la reclamación. El seguro de responsabilidad civil protege si un miembro del público hace una reclamación contra su empresa. Por otro lado, el seguro de responsabilidad civil de los empleados lo protege si un empleado hace una reclamación de indemnización. El seguro de responsabilidad civil de los empleados es un requisito legal si usted tiene a alguien trabajando para usted, mientras que el seguro de responsabilidad civil no es obligatorio por ley.

As a landlord, you can build a policy based on the risks you want to cover. As a bare minimum, you will need to cover the cost of having the building completely rebuilt following a total loss claim. Landlord insurance can also include cover for contents (if these belong to you) and loss of rent due to tenants having to move out due to an insured event, such as damage from a fire or flooding. You may also want to add accidental damage as a precaution.

Si tú o tu trabajo tienen el potencial de causar daño al público o a sus propiedades, entonces vale la pena tener un seguro de responsabilidad civil para cubrir los costos legales y de compensación.

If you provide consultancy-based advice, or design any systems for plumbing and heating, such as for new-build properties, you should get professional indemnity cover. If you’re still not sure, our experts will be able to advise.