Most home insurance policies include a level of public liability cover, though some exclude cover for people you employ to carry out work. Read the T&Cs of that section of your policy.Have house insurance but cannot see if this provides cover. Would this suffice or would I have to arrange other insurance.
I am unconvinced about the interpretation given to OP's broker by the insurance underwriters - it sounds a touch glib to me.
That said, much depends on what the insurance contract says.
Why does it sound a 'touch glib'? ALL depends on the Policy Wording, not just 'much'!
Is the job deemed 'maintenance' or 'construction'? The former would possibly be covered, the latter certainly not.
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