1 Day Public Liability insurance (UK).

Peter Riding · March 2nd, 2014, 04:11 AM

I've been with Aaduki for a few years now. My last premium was £421, covering £16370 equipment (£14370 away from premises), plus £6000 computer stuff at premises, plus £2m public & products liability, £75000 prof indemnity. A significant bill but not in the £800 league thank goodness. I had a few standard conditions amended such as unattended gear in car covered later into the evening.

Thats a massive bill for the OP to get Pl cover! Must be because its standalone and for an unknown no track record applicant (as the insurer would see it).

I'm a sole trader rather than a limited company so my accountancy bill is not as high as it might otherwise be but it still comes in at £560 + vat p.a. :- ( I keep spreadsheets and folders for the invoices etc rather than use specific accountancy software as I find that easier to use and understand than double entry. I know some accountants are cheaper if you keep your own records using Sage or suchlike.

Pete

Danny O'Neill · March 2nd, 2014, 05:24 AM

Ours is so high as its £30k in gear including unattended in the car. PL, PI and UAV drone PL cover which is £300 on it's own. Also in that it the £6k of computer gear.

We were with tower gate but they had a hard £15k in the car limit. Adooki have it too but they can extend beyond if you pay more. Towergate was a non-movable limit. Kind of seemed pointless insuring our gear for its value at home and on site but not in the car, the most likely place for it to get stolen.

Pretty happy withe price to be honest. Never had the professional indemnity but seems like more and more couples are getting lawyer happy. Especially after seeing that poor guy who actually did an amazing job but got sued. When I saw that story I thought I knew what I was about to see but the film was really good.

March 2nd, 2014, 04:11 AM	#16
Peter Riding Major Player Join Date: Feb 2011 Location: Reading Berkshire UK Posts: 872	Re: 1 Day Public Liability insurance (UK). I've been with Aaduki for a few years now. My last premium was £421, covering £16370 equipment (£14370 away from premises), plus £6000 computer stuff at premises, plus £2m public & products liability, £75000 prof indemnity. A significant bill but not in the £800 league thank goodness. I had a few standard conditions amended such as unattended gear in car covered later into the evening. Thats a massive bill for the OP to get Pl cover! Must be because its standalone and for an unknown no track record applicant (as the insurer would see it). I'm a sole trader rather than a limited company so my accountancy bill is not as high as it might otherwise be but it still comes in at £560 + vat p.a. :- ( I keep spreadsheets and folders for the invoices etc rather than use specific accountancy software as I find that easier to use and understand than double entry. I know some accountants are cheaper if you keep your own records using Sage or suchlike. Pete

March 2nd, 2014, 05:24 AM	#17
Danny O'Neill Major Player Join Date: May 2008 Location: Northampton, UK Posts: 915	Re: 1 Day Public Liability insurance (UK). Ours is so high as its £30k in gear including unattended in the car. PL, PI and UAV drone PL cover which is £300 on it's own. Also in that it the £6k of computer gear. We were with tower gate but they had a hard £15k in the car limit. Adooki have it too but they can extend beyond if you pay more. Towergate was a non-movable limit. Kind of seemed pointless insuring our gear for its value at home and on site but not in the car, the most likely place for it to get stolen. Pretty happy withe price to be honest. Never had the professional indemnity but seems like more and more couples are getting lawyer happy. Especially after seeing that poor guy who actually did an amazing job but got sued. When I saw that story I thought I knew what I was about to see but the film was really good. __________________ mintyslippers.com