Public Liability Insurance

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Public Liability Insurance

Public Liability Cover is designed to offer protection for you against any members of the public, clients or customers suffering from an accident while in your business premises. It should also be considered for anyone who has a home-run business where customers are likely to visit.

Cover

Public Liability insurance will provide cover for you if someone suffers an accident or injury by you or your business operation. It will also cover you if you damage third party property while on business. Any legal fees and expenses which result from any claim by a third party, should be included in the insurance.

This type of insurance will only cover third party claims and not your own employees - for which you will need Employers Liability Insurance for your own employees.

It is important to ensure that your insurer knows about the type of business you run and of any changes that may take place, as this may affect your policy.

Level of Cover needed?

The amount of cover you will need all depends on both the nature and size of your business operation. Many small businesses will have £1m cover, which may sound like a lot, but you need to take into consideration the likelihood of having several claims made against you. Despite the seemingly large amount of cover, typical premiums are not high.

As public liability is the most common insurance taken out by small business, you should be able to find a competitive quote in the marketplace. The internet has dozens of insurance companies and comparisons tools that can help you find the most suitable policy. Using the internet will also save you time and money, as online discounts are usually offered by certain providers.