Public Liability Insurance

If you come into contact with members of the public during the course of running of your business, Public Liability Insurance is essential. Whether you carry out work on your own premises, on site, or in other people’s homes or businesses, public liability cover is essential to protect against claims made by members of the public who have suffered injury or damage to property in connection with your business.

What does Public Liability Cover?

Public Liability protects you against claims of negligence and damage to property.  A contractor, for example, might accidently leave tools out that someone trips over.   A plumber may cause additional damage while conducting repairs.  Public Liability essentially protects you in the event that your business is sued for injuries.  When you are covered, your insurance company takes care of legal costs, thereby protecting you from potential loss of income or even loss of the business itself.

Optional Extras

  • Employers’ Liability – covers injury to employees and is legally required for companies with one or more employees
  • Product Liability –provides coverage against property damage claims resulting from business plans, equipment or manufacturers
  • Legal – covers your business’s legal defence against claims not covered by Liability Insurance
  • Contents – covers damage to fixtures, fittings, equipment and contents
  • Stock –provides coverage for the replacement of stock at cost price
  • Goods in Transit –this protects against damage to goods while they are being transported
  • Buildings –covers your office building for a range of risks, including fire, flooding and storm damage
  • Theft by Employees – covers any loss of money or property belonging to you as a direct result of fraud or dishonesty by an employee
  • Computer Breakdown– covers your equipment and damage to computer records
  • Terrorism –covers material damage and business interruption if your business is directly affected by terrorism

You May Also Be Interested In:

  • Professional Indemnity – provides insurance to protect you from mistakes you make at work that result in a financial loss to your client after you have provided them with a service
  • Directors and Officers – covers the cost of compensation to a customer if a claim is made against one of your business directors or other staff (not if the claim is made against your organisation as a whole)
  • Cyber Protection – if your business collects personal data this protects in the event of a breach of data protection laws or malicious data attacks

For help in choosing a Public Liability Insurance policy that meets the needs of your business, contact us today. 


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