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What does “legal liability public liability mean”?

Hi

Im currently working as a contractor doing “electrical testing and tagging”, basically i safety check electrical appliances eg extention leads, fridges to check that they are safe to use and theres no cuts in the wires.

My boss told me to buy insurance, on the insurance paper under “whats covered itsays”
-legal liabilty product liabilty
-legal liabilty public liabilty

My question is what do these mean, like if someone dies because i accidentally missed a cut in a wire does this insurance policy cover me?

The insurance company also said if as long as i safety check it properly i will be covered, but is it true insurance companies always try to not cover you even if i do my job properly?

any comments appreciated.

    9Suns
    Posted 5 months ago

    I don’t trust any insurance company. They are happy taking your money, but when ever you try to make a claim, they make it impossible to collect. Either way, you need the insurance in order for your business to thrive. I’m basing this question based on operating the business in the USA. HOPEFULLY you will never have any claims against you.

    Legal liability product liability would be when individuals are harmed by an unsafe product, they may have a Cause of Action against the persons who designed, manufactured, sold, or furnished that product.

    Public Liability varies from state to state as to whether either or both employer’s liability insurance and public liability insurance have been made compulsory by law. Regardless of compulsion, however, most organizations include public liability insurance in their insurance portfolio even though the conditions, exclusions, and warranties included within the standard policies can be a burden. A company owning an industrial facility, for instance, may buy pollution insurance to cover lawsuits resulting from environmental accidents.

      car253
      Posted 5 months ago

      Other guy is right and put it very well.

      But insurance companies do pay when that are suppose to. That is what you pay them for.

        mbrcatz17
        Posted 5 months ago

        You need commercial general liability. It has several sections to it, including public liability (the old word, for “general liability”, product liability, and completed operations.

        The public liability means, like you leave a wire at the top of the stairs, and someone trips over your wire and falls down the stairs and breaks a leg. Or, you accidentally drop a screwdriver out the window, and it stabs someone. The product liability, means if you install a switch that malfunctions, and the house burns down, and they sue you, it’s covered.

        Every electrician’s policy I’ve ever seen, excludes damage to your own work, or faulty workmanship. The policy is NOT a warranty of your work.

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