Public liability insurance
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Public liability insurance covers you, your business and its employees. Especially the clumsy ones.
If there's an accident and someone's injured or their property's damaged (and it's deemed your fault), you could be held liable.
And it doesn't take much either: a client tripping over an ill-placed briefcase, a cup of coffee spilt on their computer or someone slipping on a loose carpet can all spell trouble. Ouch.
It could mean a claim against you for bodily injury or property damage and, potentially, a very big bill for legal costs and compensation. Defending yourself is necessary, time-consuming and very expensive. Ouch indeed.
If you're hit with a claim, public liability insurance covers your legal costs, and any awards paid to your client. Having it means your business won't slip up – even if someone else does.
The finer detail of public liability
You get cover for:
- Personal injury to third parties
- Bodily injury to third parties
- Damage to third party property
A policy summary of the key information and benefits of a sample public liability insurance policy.
Important information about the terms and conditions from a sample public liability insurance policy.