Can I get public liability insurance with a criminal record?

Whether you can get public liability insurance with a criminal record depends on a number of things, including the details of your criminal convictions. Although some insurers won't provide insurance to anyone with a criminal record, some will provide it in certain circumstances.

Having a criminal record can be a major obstacle when it comes to setting up a business. Many people with a criminal record are worried that they won’t be able to get the necessary insurance to protect their business. In this article, we’ll look at whether or not you can get public liability insurance with a criminal record in the UK.

What is public liability insurance?

Public liability insurance is a type of insurance that protects businesses from claims made by members of the public. It covers things like injury, property damage, and financial losses caused by the business. It’s an essential form of insurance for any business, as it can help protect them from the financial consequences of an accident or mistake.

Can I get public liability insurance with a criminal record?

The short answer is yes, you can get public liability insurance with a criminal record in the UK. However, it’s important to note that the cost of your insurance may be higher if you have a criminal record. This is because insurers may view you as a higher risk than someone with a clean record.

It’s also important to note that the type of criminal record you have will have an impact on the cost of your insurance. For example, if you have a conviction for fraud or theft, you may find that the cost of your insurance is much higher than someone with a different type of conviction.

How to get public liability insurance with a criminal record

If you’re looking to get public liability insurance with a criminal record, there are a few steps you can take to make sure you get the best deal possible.

1. Shop around: The best way to get the best deal on public liability insurance is to shop around. There are a number of different insurers who offer public liability insurance, so it’s important to compare quotes from a few different providers to make sure you’re getting the best deal.

2. Be honest: When applying for public liability insurance, it’s important to be honest about your criminal record. If you don’t disclose your criminal record, it could invalidate your policy and leave you with no cover if you need to make a claim.

3. Consider alternatives: If you’re struggling to get public liability insurance with a criminal record, you may want to consider other types of insurance such as employers’ liability insurance or professional indemnity insurance.

4. Get advice: If you’re unsure about how to get public liability insurance with a criminal record, it’s a good idea to get advice from an insurance broker. They’ll be able to advise you on the best type of insurance for your business and help you find the best deal.

Conclusion

Having a criminal record can make it difficult to get public liability insurance in the UK. However, it is possible to get public liability insurance with a criminal record. The cost of your insurance may be higher, but there are steps you can take to make sure you get the best deal possible. If you’re struggling to get public liability insurance, it’s a good idea to get advice from an insurance broker.