Public Liability Insurance protect your business if a member of the public makes a claim against your business such as personal injury, loss of or damage to your property or death. The policy can cover the legal fees and compensation costs.
Is A public liability Policy a legal requirement?
Public Liability Cover is not a legal requirement however, it’s a highly recommended insurance policy to protect your business.
Who needs Public Liability Insurance?
As Public Liability Cover protects you from claims from the public, it would be hard to say what business doesn’t need this cover. A few examples of how a public liability policy can protect different businesses:
- Builders – A member of the public trips over your tools, falls and hurts themselves
- Hairdressers – A hairdresser accidentally cut someone whilst giving a hair cut or someone has an allergic reaction to the products
- Caters – A member of the public claims they got food poisoning because the food you served at a party
- Cleaners – A cleaner spills some cleaning products on the carpet of a customer’s house and stains their carpet
- Dog walker – A dog that you took out ends injuring a member of the public whilst you were out
- up getting injured whilst out on their walk
- Shop Owner – A member of the public trip over a sign or table and chairs that are outside your premise and hurts themselves
How much Public Liability Insurance do I Need?
The amount of Public Liability cover that you need will depend on your business’ activities. However, this is where our team will be on hand to help and find you the right level of cover to protect your business.
Get in touch with our team for a no-obligation discussion about your business requirements.
