I am a contractor with a one-person limited company in the engineering industry and i have recently been told by my employer that i need public liability even though I am covered by their professional indemnity. Any insurance company i talk to says this makes no sense. Anyone know who I should talk to or where I should go for insurance?
Public Liability is different to Professional Indemnity Insurance. Public Liability will indemnify your company for damage/injury caused by you/your company to third parties.
Call a insurance broker or some direct companies for a quotation.
I have already contacted a number of insurance companies but the products they offer are more suitable for the building industry and not my area - mainly office based. I don't want to pay high premiums for no reason.
Your employer is probably trying to get a cheaper insurance for themselves by telling their own insurer that their contractors have their own PL insurance. Call a few brokers to ask for a quote. Then use increased expenses as a reason to renegotiate your rates with your employer.
I was in a similar position to yourself,got quotes from Quinn-Direct and Coyle/Hamilton,but the best quote was from Kidd Insurance in Dublin,www.kiddinsurances.com