public liaibility insurance

[weas]

Can i find out if a shop trader has public liability insurance?

[horsestache1]

If he does the certificate should be diplayed in a promanent place

[weas]

Thanks for that, i recently had some flooring ,returned to the shop where i bought it ,he came and collected the goods and promised to return my money , yep you guessed !it he took the goods and kept the money we are on route to small claims , i will get a freind to visit the shop to see if he has certifcate on wall

[JudgeJ]

All jolly fine. But public his liability policy � if he has one - will not be your route for reimbursement. Public liability insurance covers the policyholder against claims for damages caused by his negligence or oversights. For example, if you trip over a loose floorboard in his shop, or if the shop awning collapses on you as you walk past, he may claim under his policy to pay any damages you may demand from him.

The policy would not cover him for what are essentially contractual disputes or civil debts. You would have to present your case to the small claims court and the question of public liability insurance would not arise.

[weas]

Hi judge j thanks for that ,i failed to tell as it is long boring story! The floor was damaged by the fitter which is why he took it back, do you not think his insurance will cover this , really grateful for all comments

[les saisies]

The certificate to which a previous answer refers relates only to Employers liability and not public liability.

In theory a business does not have to hold public liability insurance but it does have to have employers liability if it employes anybody.

Most insurers provide employers liability as part of a general public liability insurance policy and so it would be reasonable to assume that any business with employees would also have public liability insurance.

[JudgeJ]

I would say, weas, that whether he has insurance of any description is irrelevant to your claim against him. This is a contractual dispute between the two of you and your claim is against him as one of the parties to the contract.

He may have insurance which covers him for losses caused by failures on the part of his employees. However, that is not a matter with which you (or the small claims court) should be concerned.