Furniture Removals Insurance

Furniture removals insurance with public liability cover

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Home » High-Risk Insurance » Furniture Removals Insurance

Public liability cover for furniture removals

Working with heavy furniture means there’s an increased of accidentally hurting a client or breaking something they own, which is why public liability is a key part of our furniture removals insurance package. This cover comes into force if you damage property, or a member of the public sustains a personal injury as a result of your work activities.

For instance, you could smash a client’s expensive vase while you’re carrying a sofa out of the living room, or accidentally drop a weighty bed on their feet. Both of these examples open you up to costly legal action. Luckily, you don’t need to worry about such expenses with public liability insurance. Our standard public liability cover is up to £5 million, which means you’ll never be made to pay for your mistakes. Rest assured that with insurance for your furniture removal business, your company finances will be safe.

Furniture Removals Insurance: What can be included in your policy?

To ensure you receive the best possible cover for the most affordable price, you’ll find everything you may possibly need in your policy, including:

- Public & Products Liability up to £5 million
- Employers Liability at £10 million
- Contractors All Risks Insurance which provides cover for
  - Contract Works
  - Owned Plant
  - Hired-in Plant
  - Employees’ Tools
- Essential Legal Expenses at £100,000

What is furniture removals insurance?

Moving house is an exciting time, so it’s often heartwarming to be responsible for helping families move their furniture to their new home. But, of course, this isn’t an easy job, and working with heavy objects brings unique risks. A misstep could result in a slip, trip or scuff that could damage your customer’s possessions, or even cause them physical harm. Though you can’t stop accidents from happening altogether, you can save your business from any ensuing compensation claims and expensive legal fees. Furniture removals insurance means that we’ll cover any expenses on your behalf if a claim is made against you after an unfortunate workplace incident.

Why do you need furniture removals insurance?

Serious accidents can potentially cost a business hundreds and thousands of pounds, and you certainly don’t want your livelihood to be left in financial ruin as a result of one sudden mistake. The problem is that your profession is considered risky by many insurers and some providers won’t agree to cover you, but you shouldn’t have to accept a standard package that doesn’t meet your needs. Our furniture removals insurance has been specifically created with your job in mind, so if legal action is taken against you after a workplace event, you will have vital cover protecting your business’s future.

How our furniture removals insurance works

1 Apply Online

Complete the online quote form on our business insurance website – Brisco Business Insurance

2 Compare Quotes

Get instant quotes from our panel of insurers and choose the one that’s right for you

3 You’re insured!

Instantly activate your Brisco Business Insurance policy and view your certificates online

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Furniture Removals Insurance: Frequently Asked Questions

How much is furniture removals insurance?

The cost of your furniture removals insurance is determined by the information you provide in your application. For example, the number of employees and the size of your typical client base are both influential factors. The combination of covers you request will also affect the final price.

Is furniture removals insurance a legal requirement?

If you employ anyone to work for your removal business, you need employer’s liability insurance by law. You aren’t legally obliged to have other cover in place, but that doesn’t mean you should skimp on additional measures. Quality public liability insurance, for example, could save your business from making costly compensation payments. It’s also important to note that many clients won’t trust you, and will refuse to work with you if you don’t have a solid furniture removal insurance policy in place.

What should I do if someone makes a claim against me?

Keep track of all the correspondence you receive should somebody make a claim, write to you with a problem or take legal action against your business, and contact us with all the relevant information as soon as possible. We can then inform your insurers, and arrange for appropriate action to be taken.