Public Liability Ins - Advice please
 

Been informed I may need PLI to attend race circuits as a snapper in 2005 (just in case one of my camera lenses leaps from it's bag and takes out 50 spectators no doubt:mad: )

Does anyone have any advice as to:

a) how I go about getting this

b) who I would/could approach (in terms of insurers)

c) how much it's likely to rob.....sorry cost me.

I am guessing AXA would be one of the big firms, are you self employed.

Guido,

Drop Madmav a u2u, he just sorted his out ... he has a contact ...

Guido

i have just sorted this minefield out over the last few months!

fact 1
it is not a legal requirment, unlike Employers liability
(WHICH IS)

secondly you need it if you are not a limited co!

The reason is if you are to be acused of being negligent

you could be sued , and loose your house etc etc

if you are limited different rules apply1


now the clever bit! your premium will be in-line with the category you ask to be in !

ie my holiday trips were put in (travel agents) cost over £13000 public liability for 5.000.000 cover

noew i'm in (events organiser) £976.00 for 2.000.000 cover

make sure you dont get ripped off !!!!! do your homework;)

hope this helps mate ,,,,,,,,,,,,,,,,,mav

Whoa,

Thank Johnda, Dibs and Mav, but bluddy hell.

£976.00......that's me out of business already then.....Would need to take pictures nearly all my life at the current rate to even get close to a ROI on £976.00

I don't have employees or clients who could sue me......I guess it's needed in case my actions by the track cause injury to others which really means the riders....(e.g. I step over a barrier onto the track and take out an unsuspecting rider etc).

Do all insurers offer PLI or do you have to go to specialist firms, and also do you contact the firms direct or do brokers offer it?

Sorry for all the Q's but's it's something I know nothing about.

http://www.norwichunionselfemployed.co.uk/

try that mate .. as good a start as any ...

hth

Guido ! think WJB has got a contact (photographer) mate

maybe that would be the best way to find out what you need!

spk to someone who does it!"!!

i'm sure monty or david cook might have a contact or even chris bushell

if you cant sort it gimmi a shout ;)

Guido, I'll do some chasing for you tomorrow - as I have PLI too, but for my equestian interests. (teaching, but attending events with clients too)
I also have automatic cover for riding horses myself, by being a member of a recognised society (BHS)

Costs me £57.00 pa, for £5mil cover, for my instructors cover.

Will ask my broker tomorrow, where best to start - and also a mate who 'snaps' :P professionally for international events (horses again!)

C:)

£390 for pli thru natwest bank-but business acct with them- £5,000,000 worth of cover for my business(landscape design and construction)

Guido, I was getting quote's of £1,300 for PL & PI cover an that was only with a limit of 500k for providing estimating & quantity surveying services for Builders, put a stop to my plans as well :(

As photography carries fewer risks id of thought you could a lot cheaper that the £900

[Edited on 28-2-2005 by JohnDa]

Thanks a bunch folks,

I'm hoping that as a responsible peep in a 'no risk' profession, I would carry little risk in an insurer's eyes. I'm guessing it's just a formality that I need to cross off, but Mav's figure scared me rigid. Having thought about it over a pint or two and 30 questions in the pub quiz, I'm hopefull that I'll get sorted for very little as my risk to others is 'very little'.

Thanks for the help fellow DSC'ers