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Public Liability Insurance is essential cover for businesses, offering protection against compensation claims if clients, suppliers or the public suffer injury or property damage because of your business.
It may not be a legal requirement to have Public Liability but the majority of businesses choose to take out a policy because of its importance, especially for those who regularly interact with members of the public.
Businesses such as shop owners, tradesmen, restaurant and café owners choose to take out cover due to daily interaction and a high probability of risk when the public is on their premises.
What is Public Liability cover?
Public Liability covers your business against compensation claims and legal costs. This is usually to do with a third-party suffering injury or property damage on your premises.
Incidents which could lead to a claim are quite varied and could include customers slipping on a wet floor or injuring themselves on a piece of equipment.
Most policies cover:
- Compensation payments
- Repair or replacement costs
- Medical fees
- Legal expenses for defending these claims
It can also sometimes cover damage to a customer's belongings that they believe were damaged when visiting your premises.
How much Public Liability cover is needed?
The amount of Public Liability cover can vary depending on your business and we would recommend having us carry out an assessment on how often you interact with third parties to determine the size of compensation demands.
Quite often insurers would offer between £1 million and £10 million, with higher limits available through excess.
You may also have to speak with potential clients, as many local authorities and government bodies will require you to have a certain amount of cover for you to work with them.
Our brokers have access to a wide network of insurance providers, so speak to a member of our team today to find the right policy for your business.
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