Public Liability Insurance
If your business is focused on day to day fitting and joinery work at a client premises you should probably consider public liability cover.
Having Public liability cover means you are protected should you, in the course of carrying out your work, cause injury to a member of the public, another employee or be accused of not completing work to a satisfactory standard. Liability insurance also covers you for accidental damage that you cause to other people’s property whilst carrying out your work. For example, if a member of the public trips over some of your equipment while you're working, or if you knock over an item of value while working in a customer's home, then public liability insurance will help cover the legal fees should the member of public wish to make a claim against you. It will also cover you for any compensation should you need to pay out.