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Old March 2nd, 2014, 04:11 AM   #16
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.

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Old March 2nd, 2014, 05:24 AM   #17
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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.
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