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What’s public liability insurance?


Public liability insurance helps protect your business against modern-day compensation culture.

Isn't You've Been Framed brilliant? It serves up a lot more laughs than talking about public liability insurance ever could, that's for sure.

All those hapless, clumsy unfortunates, tripping and stumbling their way to hilarious personal injury for our entertainment. Oh, how we titter as we eat our takeaway from the safety of the sofa.

Still, at least they get £250 for their trouble. Everyone's a winner!

But there's another side to the story. Because those banana-skin moments also carry the possibility of serious injury to someone. And if they happen in a location where your business is operating there can be less hilarious consequences.

It's likely to cost you a lot more than £250 to placate the victim and fix the problem. So what can you do? Be prepared, that's what.

Introducing....public liability insurance

In the world of unnecessary cliches, 'accidents happen' is an insurance company favourite. The same goes for the no win, no fee solicitors' battle cry of 'where there's blame there's a claim'.

The problem is, like most cliches, they spring from the truth. Accidents DO happen, however careful you think you are. And a somewhat unhelpful 'compensation culture' says that accidents ARE someone else's fault, and someone DOES have to pay. (Whiplash anyone?)

That perfect storm of a technically difficult and time-consuming claim to deal with, and impending financial ruin, means you need protection. That protection comes in the form of public liability insurance.

How does public liability insurance protect you?

If there's an accident, and it's your business's fault, a third party (a client, a member of the public, or anyone else) can claim compensation against you for property damage and bodily injury.

Say they slip on a puddle of spilled tea and break their nose in the resulting fall. Maybe they fall down some badly lit steps, trip over a trailing cable, or fall foul of a plummeting ceiling fan. Anything really. As we said, accidents happen.

If a claim then lands on your doormat, your insurer appoints a legal expert to fight the time-sapping and complicated case against you. And if the injured person's claim is upheld, your public liability insurance also covers the compensation you're liable for.

Your policy isn't limited to just visitors to your place or your events, either. You're covered if you go out and about and cause problems somewhere else, too. So don't worry too much if that successful pitch was tarnished by spilling water all over your prospective client's top-of-the-range iMac...

How much does it cost?

The price of public liability insurance varies depending on a few different things:

  • The amount of cover you need.
  • What your business does.
  • The number of employees you have.
  • Your business’s annual turnover.

And if you work on a contract basis, clients may well request that you have a specific minimum level of public liability cover in place in advance.

You can find out exactly what you’ll pay by getting an online quote. Or call 0345 222 5391 to speak to one of the team.

Image used under license from Shutterstock.

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