Public Liability Insurance
Public Liability Insurance
What is Public Liability Insurance?
If someone is accidentally injured in your workplace, or if a client's property is accidentally damaged due to your business’ activities or because of the products you supplied, your business could be responsible by law. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.
How much does public liability insurance cost?
Having public liability could save you a large sum of money and is quick and easy to arrange with one of our specialists over the phone. There are several things to consider, like the trade or sector you work in, what your business does and where it’s based. Find out by giving us a call and we’ll give you the best price for your business.
Do I legally need public liability cover?
Public liability insurance isn’t a legal requirement, however you may need it to be able to deal with your client contracts, and some companies are obliged by their supervisory or membership body to take out certain levels of business insurance. Many small businesses take out public liability, but if you’re not sure if you need it, either as a legal requirement, contractually or as best practice, give us a call and we will be happy to assess and advise.
Can you give me a typical example of a public liability claim?
A plumber could be working in a client's property and makes an error, causing extensive water damage to the home. Or you could own a restaurant and accidentally injure a customer by spilling scalding hot water over them. Accidents happen and for a small annual cost, you really are best to be safer rather than sorry.