Recent research conducted by Constructaquote.com has revealed some interesting facts about the types of people who make the most liability insurance claims. The research involved looking at the occupations of liability insurance claimants and the study involved over 20,000 trades people.

On average, it was the building profession that reported the largest public and employers liability claims. However, it was the plumbing profession that made the most claims closely followed by Carpenters and Electricians. Plasterers reported the least amount of liability insurance claims.

There are two types of liability insurance. The first is public liability insurance and this is designed to protect members of the public. If a member of the public is injured through the work conducted on your premises then you or your business can be held liable for any damages suffered. A public liability insurance claim will therefore cover the injured person’s compensation, legal expenses and hospital fees. Although public liability insurance isn’t a legal requirement it is highly recommended as public liability claims can run into millions of pounds and have serious consequences on a business.

The second type of liability insurance is employer’s liability insurance. For any business operating in the UK it is a legal requirement to have employer’s liability insurance if you have one or more employees. This type of liability insurance allows businesses to pay for compensation and legal fees for injuries that occur while at work though the fault of the employer.

It is very important when a claim is made to deal with it as soon as possible. For example if a business puts in a claim for loss of earnings due to something that was your fault then the compensation claims can continue to grow. Also having your business in local media as not paying a claimant as quickly as possible is only going to have a negative effect on your company and could damage your recruitment opportunities in the future.

Constructaquote.com offers a fantastic liability insurance product that combines public liability insurance and employers liability insurance for complete peace of mind. The liability insurance products available through Constructaquote.com encompass many unique benefits that will not be found anywhere else in the market.

Other products available through Constructaquote.com include commercial van insurance, goods in transit insurance, plant and material insurance and a new business support package which provides legal insurance to fully protect your business.