Cant get public liability with my credit record

[ohitsonlyme]

My credit rating is pretty well shot at ( no its worse than that its dead!!)

Ive got one outstanding ccj and lots of defaulted agreements many of which are becoming statute barred over the next few months.

I have a very good reputation as a builder on the my builder website 22 references all 100% plus lots of other references for my work.
however I have closed 2 property companies that I used to have due to problems in the recession

I am now struggling to get public liability insurance.

No one seems to want to give it to me as soon as I declare the lost companies or my ccj they dont want to give cover.

I can pay premiums no problem

Where do I go from here??
is there a specialist company?
Do I have to declare all information

I have no claims against me for bad work or disputes surrounding work
does anyone have any experience of this situation

only me again

[Undercover Elsa]

Re: Cant get public liability with my credit record

Might be best to do this through a good well established local insurance agent, rather than online, they'll know the criteria. You would have to declare if asked though, otherwise if you did get a claim cover would be null and void. Is there anyone who you already deal with for car/house insurance so you have a track record?

[ohitsonlyme]

Re: Cant get public liability with my credit record

Thanks Elsa I am on that track and getting a bit of a negative vibe back.
I thought some one on here may have been there before and have some input

[Undercover Elsa]

Re: Cant get public liability with my credit record

There's time yet...it's been quiet this weekend

[Enforcer]

Re: Cant get public liability with my credit record

Sorry I can't help, but I have 4 defaulted accounts and closed 1 Ltd company down just over a year ago and have no problems with 5 million public liability, used the same broker for 12 years. Never claimed. Have you tried using your previous broker?

[ohitsonlyme]

Re: Cant get public liability with my credit record

Sorry I can't help, but I have 4 defaulted accounts and closed 1 Ltd company down just over a year ago and have no problems with 5 million public liability, used the same broker for 12 years. Never claimed. Have you tried using your previous broker?

I have already given it to my old broker, Ive known him for many many years and he thought he would have trouble, tho I must say he hasnt been back to me yet.

What trade are you in?
Did you disclose closure of your old company?
Which company insured you?

Onlyme

[Never-In-Doubt]

Re: Cant get public liability with my credit record

These guys take on Undischarged BR's - http://www.coversure.co.uk

Not sure how strict they are now, but used to take anyone via --> https://www.ageas.co.uk/insurance-pr...ance/tradesman

Good Luck