Combined Liability Insurance

I am about to create a unique company shopkeeper in the UK making furniture and I'm moving in a small industrial unit which I am renting. I was told by the people who are renting the unit that I need to get liability insurance and public. I did some research on the internet but I do not see companies that have a combined policy. In other words, it seems that I must make two separate insurance policies for insurance and personal service. Is this true? Or is it the case that public responsibility also includes personal liability.

OK, I filter questions from the United States only (not English only) and it came, so I guess maybe you do not get many responses from the United Kingdom.

Here in the U.S., and most of the rest of the world, it is true - there are two different types of responsibility - personal and business. "Public" is a misnomer - the public can be either personal or business. Or maybe it's just a way of saying the United Kingdom 'business'.

But you can not combine the two. The core index and blankets are greatly divided. liability cases do not include personal responsibility, but it DOES extend coverage to some extent, on employees in the workplace. With the exclusions, of course.

Normally, you get two separate policies. But that should not be a big problem.

Do not be a problem ... call an insurance agent.

The owners are usually looking for a general liability policy which would pay for damage to a person who is injured in your rented premesis and to pay defense costs for product liability (ie to post a clip or a nail out of a piece of furniture and injures someone). The good thing about this is that you can usually couple it with a policy of property (to cover your equipment and inventory) in what is called a BOP (Business Owners Policy). I'm not too familiar with the market in the UK as I am of the United States, but I guess it is not very different.

So after all this, the answer is yes, just call an insurance agent and let them make you some quotes. Insurance companies that sell you a policy on the Internet probably will not be able to help you with it.

Good luck!