On Thu, 07 Jun 2012 09:43:32 +0100, Espen Koht wrote:

In article ,
Roland Perry wrote:

In message , at
20:55:54 on Wed, 6 Jun 2012, Espen Koht remarked:
AFAIUI (from having been asked to procure it) PLI covers accidents and
injuries involving third-parties, which I believe is what you are
getting at. It's a supplemental cover for 'the public' for which the
first parties' insurance may not be adequate. cf. a visitor tripping
over a trailing lead put out by us (renting the premises) rather than
the museum itself.

That's right, so dropping a hammer on a vase at the museum that
contracted you to wire up some extra spotlights won't be covered,
because neither the museum nor the vase are "the public".

It won't be covered by the PLI, but someone asking for a PLI presumably
does in the back of already having insurance to cover first-order
accidents like the one you describe.

Having been involved with that sort of claim, that was covered by the
public liability insurance, not the professional indemnity insurance. It's
easy to tell as they where with seperate companys.