Whilst the cost of public liability insurance in general has fallen in recent years the cost of public liability insurance for hot roofing work is still fairly high when compare against other occupations and trades. the reasons for this are simple, the increased frequency of claims and the ignition risk that is associated with many of the processes undertaken by hot roofers.
What is public liability insurance for hot roofing?
The public liability insurance policy protects you against claims made against you in respect of your legal liability for personal injury or property damage suffered by third parties that arises during the course of your business. Third parties are in general terms anyone other than the principal or employees of your business.
The public liability policy meets the cost of any awards made against you and pays for the legal costs of any defence to a claim made under the policy.
What is the excess under a public liability insurance policy for hot roofing?
The terms of the policy will include an excess in respect of third party property damage, this amount may be £250 or £500 and the policy excludes the first £250 or £500 of each and every claim. This is your contribution to the cost of any claim.
What is the limit of indemnity under a public liability insurance policy for hot roofing?
The limit of indemnity under the policy is the maximum liability of the insurance company in respect of each and every claim. It is up to you to select the limit that is appropriate for your business and this decision will be influenced by the type of work you undertake and the contractual requirements that others may place upon you. Common limits are £1M, £2M and £5M with other limits also available.
Do I need employers liability insurance for hot roofing?
All employers, with a few limited exceptions, are required to carry employers liability insurance in the United Kingdom. This protects you against claims in respect of your legal liability for personal injury sustained by employees during the course of their employment.
There is no excess on employers liability insurance and the policy is issued with a standard limit of £10M, although higher limits are available upon request.
What special conditions apply to the public liability insurance policy for hot roofing?
As with all businesses engaged in the use of heat away from their own premises, insurance companies try to improve the risk by imposing hot work conditions to the policy to encourage behaviour that reduces the fire inception risk. Whilst the wording may differ from insurer to insurer, they are all crafted in a similar vein. Failure to comply with these conditions can invalidate your insurance and leave you unprotected against claims made against you.
Hot work precautions condition
It is a condition that the following precautions must be complied with each time that hot work is undertaken away from your premises
1 the area where the work is to be completed must be cleared of all combustibles
2 combustible floors and other combustible property which cannot be moved must be protected by non combustible material and where welding, cutting or grinding equipment is being used, this must extend to at least six metres from or beneath the work area
3 where there is a danger of ignition either directly, or by conduction of heat through any partitions or walls, the area on the other side must be inspected and combustible material must be removed
4 at least one fire extinguisher, of a type suitable for the use required, must be kept adjacent to the work or task and ready for immediate use
5 no heat producing equipment is to be left out of view of its operator or firewatcher whilst lit or powered or whilst hot
6 a thorough safety check for signs of fire or combustion around, above or below the work area must be made at regular intervals, for at least 30 minutes after completion of each period of work.
How can I buy public liability insurance for hot roofing?
You can apply on-line for a quotation or you can call us direct to discuss your requirements with a specialist broker who will be happy to provide you with our best terms for your hot roofers insurance.