Personal liability insurance

Many people who's work is very physical will be wondering what will happen to them if they become unable to work, and that's where personal liability insurance comes in.

Whether this happens through illness, injury or an accident, they suddenly find themselves unable to put food on the table, and that can be very distressing as well as financially hard. Of course it's possible, in many cases, to return to work, either in the same work or something different, depending on the circumstances. But even if that is possible, it takes time to recover and retrain, and the bills have to be paid somehow.

Liability insurance

When you are looking for liability insurance you are more likely to buy public liability insurance or insurance for a business. Personal liability insurance, or personal accident insurance, is more often added as an optional extra to another policy rather than a separate policy in its own right.

With most personal liability insurance packages there are different payouts for different types of incident. The exact payouts and events that trigger them differ from policy to policy, but usually you would receive a set lump sum for an accident that leaves you with a number of injuries.

Temporary disablement will deliver a lump sum to compensate for loss of earnings and often an amount for each day that you are in hospital, if you have an extended stay. Finally the largest payout form a personal liability policy will pay out will be a lump sum on serious injury like paralysis, loss of sight or a limb, or even death.'

Policies of this kind are popular with tradesmen and that no surprise, with the construction industry and its associated trades still one of the worst sectors for health and safety. But personal liability insurance isn't just for the dangerous jobs. People working in shops and offices, or even at home, can still suffer injuries that can prevent them from working.

Speak to us or use your mouse

If you are unsure about the right liability insurance cover you need, and whether or not you should include personal liability in your portfolio of policies, have a chat with our 100% UK-based customer care team. It's staffed with insurance experts who know the trades in the country who will immediately understand your needs.

Or if you know what you want, or just want to see what the options are, click on one of the quote buttons and go through our quick and painless online quote system. You can play around with quotes as much as you like, seeing how your selections affect your premium, before you commit.

Whether you prefer online or chatting on the phone, go for a quote and you'll see how well your needs can be matched by our policies, at cost-effective rates.