Public Liability Insurance

Public liability insurance (formerly known as third party insurance) is insurance in case a person or firm is found liable to pay compensation to a non-employee (e.g. a customer or member of the public) for loss of or damage to third party property, or injury to or death of a third party. This is not a legal requirement, but we insist that any person or organisation working on behalf of WBC or hiring our premises has a minimum of £5 million public liability insurance.

Contractors and Hirers

Contractors working for H.G. Wells and third parties hiring, borrowing or otherwise using the premises must have public liability insurance with a minimum limit of indemnity of £5 million, and proof of this and of their employers liability insurance ( if applicable ) must be provided to the Sales office before the use of H.G. Wells.

Private individuals hiring H.G. Wells on a one-off basis must have public liability insurance. This can be obtained from any insurance broker (e.g. by using Yellow Pages) or they can purchase Hirers' Liability Insurance from Woking Borough Council to cover their event.

However, there are certain limitations - the event must be held on Council premises, they must not be a commercial organisation or a political organisation. The cost of this is 20% of the hiring fee, plus 5% Insurance Premium Tax.

What we need to check

We need to see evidence of the hirers' insurance, which must have a minimum limit of indemnity of £5 million for both public liability and employers liability ( unless the contractor/ hirer does not have any employees ). This may be in the form of a certificate from the hirer's insurance brokers or insurance company.

You need to ensure:

  • Evidence of employers liability policy seen (unless the hirer does not have any employees)
  • The policy is in the name of the hirer
  • The start & end date of the policy (to ensure the policy is valid during the period of work/hire)
  • Limit of indemnity is at least £5 million
  • Evidence of public liability policy seen
  • Policy is in the name of the contractor/hirer
  • The start & end date of the policy (to ensure the policy is valid during the period of work/hire)
  • Limit of indemnity is at least £5 million (there are no exceptions to this)

Keep a copy of the insurance documents provided, as this may be needed if a claim for compensation is made, as we will want to redirect the claim to the contractors' insurance company.

Why do we need to check contractors' insurance?

We are not saying that a contractor will deliberately or knowingly cause damage to third party property, or injury to a person. However, if a person is injured, or their property is damaged, they can claim compensation if the person or firm that caused the accident was negligent.

Download HG Wells PL Insurance