Public liability
What counts as a "work activity"?
Pretty much anything you do as part of your trade. Including some surprising things.
Public liability cover applies to "work activities" you've declared on your policy. That's a broader definition than just the actual job in front of you.
Things that almost always count
- Doing the job itself (building, fitting, fixing, servicing)
- Travelling between job sites
- Carrying tools and materials in and out of a customer's property
- Quoting jobs on customers' premises
- Cleaning up after a job
Things that need a closer look
- Working at height (some policies have height limits, often 10 metres)
- Hot works (welding, soldering, anything with a flame)
- Work involving asbestos
- Working with listed buildings
Still stuck? Broll-e or the team will sort you out.