Public Liability2019-10-23T17:41:47+01:00

Public Liability Insurance

Public Liability Insurance is not actually a requirement working as a tattoo artist or body piercer in the UK. However, your local licencing authority may insist on this before they will issue your licence. We could never advise working without this cover as this is what protects you should an accident happen, for example any damage occurring as a result of the work you are carrying out.

The further extensions that are given in a bespoke Inksurance policy will protect you from likely incidents that could occur that are most relevant to your trade, for example ‘injury to the customer that you are working on’.

Public Liability Insurance covers you or your Company for the cost of claims made by a client or member of the public in relation to injury or property damage for incidents that occur in connection with your business.

If you have any further questions about Public Liability cover, or you would like to make sure you have the adequate cover in place, please get in contact with us. We have also put together a list of our most frequently asked questions (and answers to these) from our clients below and hope they will be of some help to you.

Frequently asked questions (FAQ)

Can I cancel my policy if I change my mind?2019-01-10T15:02:50+00:00

Consumer policies tend to have a cooling off period. Some commercial policies will offer a pro rata cancellation refund if cancelled mid-term. Some policies are known as minimum and deposit. This means all the premium is due from the moment you take up the policy with no refunds given. It is always worth consulting with us regarding any questions you have around this. Our aim is always to provide you with the insurance solution which best fits your business and current needs.

What is Public Liability Insurance?2019-01-10T10:28:26+00:00

Public liability insurance would cover the cost of legal action and any compensation claim/s made against your business if a third party is injured or their property suffers damage whilst at your business premises, or when you are working in their home, office or business property.
This also includes the cost of medical treatment and transportation costs incurred by the NHS should they claim this amount from your business following an accident.

What level of Public Liability cover should I have?2019-08-05T20:39:29+01:00

It completely depends on the level of risk your business undertakes on a daily basis. Our cover starts at £2m and goes up to £5m. You may find that your local council has a particular minimum requirement specified in this area. You should definitely find this out before taking out cover, although it is possible to increase this limit during your period of cover.

Is it illegal not to have Public Liability Insurance?2019-08-05T20:34:40+01:00

No, it is not illegal, the only Business Insurance that is a legal requirement is Employers’ Liability (which applies if you have more than one staff member – even then there are still some exemptions).
Public liability however still remains extremely important and safeguards you and the business protecting its interests and those of your clients and members of the public.

Where do we source our Public Liability Quotes from?2019-08-05T23:17:06+01:00

We work exclusively with Insurers that specialise in looking after businesses within the tattoo and piercing community. These insurers offer specified extensions of cover that will aim to protect your business in the event of an incident occurring. Standard Public Liability policies will not offer the same level of cover.

How much can I expect to pay for Public Liability Insurance?2019-08-05T20:31:13+01:00

The cost does vary a great deal and will depend upon a number of factors from, the level or limit of cover you require and the type of treatment you do. Policies for Public liability in isolation can start at under £100 and move upwards from there.

Can I purchase Public Liability Insurance on its own?2019-01-10T10:35:33+00:00

Yes, you can. If you have no employees, and don’t intend to in the immediate future then buying Public Liability Insurance in isolation will be more cost effective than a policy that includes Employers Liability Insurance.

What is a minimum and deposit policy?2019-01-10T15:03:15+00:00

This is a non-refundable insurance policy, usually reserved for liability insurance policies.

Do I need to tell insurers if my turnover has increased during the year?2019-01-10T11:36:05+00:00

Only if you have no leeway within your policy and are required to do so under the terms of the wording. Most policies that require a turnover to be declared will be based on a year-end adjustable basis. This means that provided you do not exceed any of the triggers (i.e. exceed 25% or 50% of declared turnover) then you can wait until renewal and make a declaration. Insurers will reserve the right to charge if the amount is higher than the original declared amount. You will need to check what allowances your policy makes.

Do Insurers share information on claims?2019-08-05T22:48:16+01:00

On some occasions they do via selected registers. The best approach is to declare everything you think is relevant, thus removing any concerns you may have about historical data.

What happens after I fill in a Request a Quote Form?2019-08-05T22:57:51+01:00

If you have sent us a proposal form, we can start sourcing you a quote straight away. If you simply fill in your details and submit them on the site, we will typically come back to you the same working day or next working day if you fill in our form outside of working hours.

Are all policies you sell exactly the same?2019-08-05T22:58:42+01:00

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

What is a pro rata refund?2019-08-05T22:59:33+01:00

This is when a proportional amount of the premium is refunded in line with the amount of time that remained on the policy.

Do I need to declare any adverse financial history?2019-08-05T23:00:43+01:00

The answer is an emphatic yes! Most insurers will ask you a direct question in relation to liquidation or bankruptcies, it may be for a limited period or ask you to declare any incidents ever. It’s important to answer the question correctly as this is often an area that comes up when insurers are investigating claims.

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