On Thu, 07 Jun 2012 13:58:08 +0100, Roland Perry
wrote:

In message , at 12:49:57 on Thu, 7
Jun 2012, Duncan Wood remarked:
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.

The museum might, but not every tradesman I suspect.

But we've got agreement that it's not PL, which is the main thing.

Actually you haven't got agreement, particularly from my broker.

Any ideas why he's the odd one out?

He's not, you seem to be. Plus he does actually do this & has never
sold a PLI insurance that include damage.

uh? He's never sold one that did include damage??

FAOD, I've been arguing that such policies *don't* cover damage to your
clients' property, because they aren't the public.

It should cover damage to the public's property, no doubt with various
exclusions and excesses.

Sorry, didn't include damage, including to the clients property, equally
he's quite a good broker, so he'd probably not have bothered.