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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: a client tripping over an ill-placed briefcase; a coffee-soaked laptop; or someone slipping on a loose carpet can all spell painful 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.
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.
Read more about what is public liability insurance?
Anyone who visits their clients or has clients visit them needs public liability insurance.
If you interact with members of the public too, like at events or in a retail environment, you’ll also need it.
It protects you from claims of injury or property damage. And it covers all the compensation and legal fees that come along with a claim.
An accident can happen to anyone, at any time. Whether it’s at your offices, a client’s, or elsewhere, you’ll have to be ready to do something about it.
Usually, that means time, money, and expertise. Organising and paying legal experts, rooting around for documentation and supporting evidence, and paying for any compensation at the end of it.
Public liability insurance is there to fight your corner. You get the support of an expert insurer by your side, every step of the way.
So you can say goodbye to the headaches and stress of a public liability claim. And focus on running your business.
Read more about who needs public liability insurance.
Generally, but depending on the exact wording of your policy, it pays legal costs and compensation for claims of:
Read more about what public liability insurance covers.
Public liability insurance isn’t compulsory under UK law. But we do recommend it to any businesses that visit their clients or have clients visit them.
Here are a few business examples where public liability insurance is a must-have:
How much your public liability policy costs depends on a host of different things:
These are just a few of the things that can change the cost of your public liability insurance.
Even if your business is on the ‘riskier’ side, public liability insurance is worth its weight in gold. It protects any business from the potentially catastrophic financial repercussions of a claim.
It’s easy to confuse public liability and professional indemnity. They sound similar and they’re often spoken about in the same breath when you’re sorting out your business insurance.
In reality, they serve two very different purposes. And you almost certainly need both to properly protect your business.
Here’s a quick breakdown of what they do:
Each type of insurance covers completely different things. But they’re both must-haves to protect your business from the financial losses that a claim can bring.
Read more about public liability vs professional indemnity insurance.
There’s plenty of ways to protect your business with insurance. So that you’re prepared for anything.
Professional indemnity insurance is a great place to start. It covers you for claims and allegations of negligence and mistakes. If you’re providing a specialist service to paying clients, it’s a necessity.
If you employ anyone, then you also need employers’ liability insurance. That’s because it’s a legal requirement for UK businesses with employees.
You might have essential equipment and furniture. If you do, office and property insurance pays for repairs or replacement it if it’s damaged or stolen. Portable insurance covers your gadgets and technical equipment when you’re elsewhere.
Business interruption insurance helps if something happens to your premises and you’re forced to set up somewhere else. Whether it’s a flood, fire, or an infestation, you’ll be covered for any lost revenue and costs of relocating.
If your directors make a mistake, they are personally liable for their actions. If they’re accused of negligence, directors’ and officers’ insurance covers all the legal defence costs and any compensation there is to pay.
Because we’re a specialist business insurance broker with the know-how to get you a public liability insurance policy that’s the right fit for your business, quickly and easily.
Our simple online quote process makes the whole thing painless, plus we’ve got friendly expert advisers waiting to take your call if you need them.
Here are some more reasons to buy your public liability insurance from us:
But it’s customer feedback that really counts, so take a look at ours. We think it speaks for itself.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.