Most habitancy believe that when they get collective Liability assurance for their trade then they will be covered no matter what work they do as long as it is work that comes under the heading of their trade. This however is one of the major talking points with this type of assurance as there are all the time restrictions and endorsements on the procedure to limit what you are doing.
The easiest one of these to talk about is the height limit that is generally imposed on quite a lot of policies, as there is a higher opportunity of serious damage being done the higher up you are working. Especially with trades such as builders there is usually a 10 meter height limit on the procedure and therefore if you were to make a claim that resulted from you being higher than this then they would not even reconsider the claim as you would be breaking the terms of your policy. This is also the same depending on what type of asset you in general work on as you can generally get collective Liability assurance that specializes in either a normal constructor or a constructor that works on industrial properties which would not be covered under a normal builder.
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The next thing that most habitancy are unaware of is that there will generally all the time be premises restriction on the procedure so that you can not work on dangerous locations and again should any claim come as a result of working on one of these types of locations then they would not pay out. There are a proper set of locations that are generally on every collective Liability procedure unless it is for a trade that is strictly connected to one of them. For example your procedure may state that you cannot work on any railways, airports, motorways and power stations.
The main one that habitancy are often surprised about when informed is that collective Liability assurance will not cover any damage to the asset that you are working on, for example if you were a car washer and there was a stone inside the cloth you were using and you scratched the car that you were trying to clean then that would not be covered under this policy. Most habitancy feel that this should be covered but collective Liability assurance is designed to cover you for any third party asset damage or third party injury you case and not damage to the asset you are working on if its part of your work that you have got wrong.
So what I would propose is that anything who is seeing for or has collective Liability assurance then they should check the terms and conditions of their policies in full just in case something that they think is being covered for is for real not covered and they are under insured.
communal Liability assurance - Terms and Conditions
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