Public Liability Insurance for working on our ex-council house

In article , Simon Reveley writes

It is the builders PLI they are asking for not yours, so ask him for a copy. You will be provided with PLI under your household insurance.

What builder? That's the point; they don't have a builder.

The OP could try sending in the household insurance, and see if the council is happy with that.

To the OP: You say you are pretty much doing "like for like". The council has said they don't care in that case.

replying to bert, Simon Reveley wrote: That's just the point - there is no builder, just us.

replying to Martin Bonner, Simon Reveley wrote: Sadly it's the council who has the home insurance - we only have our own contents insurance, because the council is the freeholder of the block. As part of our contents insurance we have "personal liability and your liability as occupier of your home" but I assume that's different?

The mistake was telling the bloody council in the first place.

But there *is* an electrician, which is probably what Bert meant to say.

I rather tend to agree!

Indeed. However given the starting point now, a quick chat with an insurance broker would probably sort something out. PLI is pretty cheap.

Your first mistake was telling the council.

I'm not at all sure that it is different. Give a copy to the council bod and let him work it out. However, the chances are that it is limited to less than £5m.

Hmm, I do recall that some time ago, I had public liability insurance added to my house insurance so I was covered up to a couple of million for anyone working in my property. I need cleaners, PA and Gardeners etc, It might be worth asking the company you cover the house with about how much it costs if it was to cover yourselves not just external persons coming in. In my view everyone needs this sort of insurance as otherwise in a wind somebody like the postman being hit on the head by a brick or tv aerial, could sue the pants off you. Brian

As said up-thread, the buildings insurance would usually cover any liability to the postman.

I pay £11 a month for £2 million quids worth.

Well, maybe? but if you don't have insurance the ambulance chasers will have to do some work rather than tickle the insurance company and have them role over. If you havn't got insurance you may not be worth chasing.

Ask your insurer for clarification - they are the only ones whose opinion matters.

In article , Brian Gaff writes

IME public liability is always part of house building insurance BICBW

Don't you believe it. The Communications Workers Union will be after you whatever.

If you are in an appartment block, you are often not permitted to have buildings insurance, because the management company or freeholder will have it, and there mustn't be more than one policy covering the same thing.