Professional liability insurance is really important in many different industries. Whether you are a trained plumber or a fitness instructor, things can go wrong, and you need to make sure that you are covered. While you can choose to be covered by general liability insurance, it can be useful to have a specific professional liability insurance policy to cover your business. Find out more about some of the different types of professional liability insurance below.
What Is Professional Liability Insurance?
Professional liability insurance at Next Insurance covers any claims that customers might make about the work that you have done. This could be anything from accidental damage to their property to injuring them personally. The insurance policy differs depending on your profession and the work that you will be carrying out. For example, a carpenter might need a completely different type of cover to a fitness instructor. We’ll talk you through the different types of coverage below.
Plumbers Liability Insurance
Plumbers work a lot with tools so there are some risks when it comes to accidental damage to a customer’s home. For example, they might drop a heavy piece of equipment onto a tile in a customer’s kitchen which could damage it. This is the sort of thing that would be covered with professional liability insurance for plumbers.
Beauty Liability Insurance
The professional liability insurance for a beauty professional would be different as they are trusted by the customer to work on their hair, face or nails personally. Often, a customer will come to a salon to get the treatment. Professional liability insurance, in this case, would cover anything from a customer tripping over a hairdryer wire to any sort of advertising harm.
Fitness Liability Insurance
As a fitness instructor, professional liability insurance is extremely important. You might find that your dietary advice or exercise plan might cause harm to a client and they could sue you for this. In this case, fitness liability insurance will cover you to make sure that unhappy clients can’t cause harm to your business.
Cleaning Liability Insurance
The final type of liability insurance that we are going to discuss is for those in the cleaning profession. This profession comes with a lot of risks, so you need to make sure that you are covered against any sort of professional errors. Using the wrong products could cause damage to property and bodily injury if you don’t make it clear that a floor has recently been mopped. Professional liability insurance, in this case, would cover you.
Final Verdict
You’ll find that there are many different types of professional liability insurance and you need to make sure that you choose one that is specific to your business. General liability insurance is often not enough and if you are a fitness instructor, for example, you’ll need to be covered if an exercise causes hard to a client.
Find the right professional liability insurance coverage for you and you should be able to make sure that your business is ready for anything that might happen.
