2m, 5m or 10m Public Liability?

[DTaylor]

So what do most people choose? Im just about to get quotes from both Arborisk and Trust for public liability, employers liability and possibly tool cover. I've read on here a good ratio is PL 5m EL 10m and tool cover 25k. I have minimal tools so may skip all together but does the rest sound good? Also how many of you guys opt for personal injury cover? have you ever needed it and if so has it been really worth it, (do they pay out)?

[topchippyles]

Depends on what type of work/contracts you do,If you are only doing private work the 2m is plenty.If its contract work then check who your working for.

[tonytree]

I personally wouldn’t bother with anything under 5 million public liability insurance, but as said it depends on your type of work.

[Steve Bullman]

No commercial company is probably going to touch you with less than 5m pl, that should really be the starting point.

[DTaylor]

What about professional indemnity? I dont see people talk so much about that here. Just as important?

[Steve Bullman]

Not unless you are doing written tree reports etc

[Baldbloke]

So what do most people choose? Im just about to get quotes from both Arborisk and Trust for public liability, employers liability and possibly tool cover. I've read on here a good ratio is PL 5m EL 10m and tool cover 25k. I have minimal tools so may skip all together but does the rest sound good? Also how many of you guys opt for personal injury cover? have you ever needed it and if so has it been really worth it, (do they pay out)?

I’m interested in this thread too as a small landowner without a business but related to the ground. Also if I’m cutting elsewhere for firewood for my own use.
My concerns relate to open access in Scotland, my boundary trees, and risks while taking down trees on neighbouring properties.
Where and who is likely to cover me (without a related business) for third party risk?

[jfc]

I’m interested in this thread too as a small landowner without a business but related to the ground. Also if I’m cutting elsewhere for firewood for my own use.
My concerns relate to open access in Scotland, my boundary trees, and risks while taking down trees on neighbouring properties.
Where and who is likely to cover me (without a related business) for third party risk?

Sorry no idea, have you tried ringing a couple of the insurers, or nfu insurance?

[roseyweb]

Councils want 10mil

we don't do council but have found the councils asking for it when we have asked to access there land for other properties 

[Ian C]

We have 5 mil only because most of my commercial clients want it, don’t do council work so 10mil is over kill