If you own a business in the UK, it is wise to take out public liability insurance. Public liability insurance should be considered if your business brings you into contact with clients, customers or members of the public.
What is public liability insurance?
Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If a member of the public is injured on your property you may be held responsible. Public liability insurance is designed to pay compensation which can include loss of earnings, future loss of earnings, damages awarded to the claimant in addition to legal costs.
How much cover do I need?
The amount of cover you need will vary according to your business type and other factors. Many small businesses will take out a minimum of £1m of cover. Cover is not particularly expensive, and you may make significant savings by taking out a general insurance policy for your business, typically including office insurance and employers liability cover.
Public liability insurance comes as standard cover under some of our business insurance policies including tradesman insurance, landlord insurance and shop insurance.
Employers Liability
Employers Liability Insurance covers the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer.
Do I need employers liability?
Product Liability
If you supply products to the general public you have a responsibility to make sure that they are safe – if you fail to do so, you can end up facing legal action.
More about product liability
If you would like a free quote for public liability insurance call a member of our team now on 01872 572 957 or complete the online enquiry form.
