Understanding Public Liability Cover: Don’t Risk being exposed to PL Claims
Despite every organisations best efforts to eliminate risks, accidents can still happen. A Public Liability Policy can cover potential claims against you. Don’t risk being exposed and find out what is and what isn’t covered under your Public Liability policy.
A Public Liability policy can cover you for claims brought against you or your business for property damage or bodily injury that you may have caused.
For example, without a Public Liability policy you could be held responsible for all the legal and damage costs awarded to your client if you had caused bodily injury or property damage, which could potentially bankrupt you if you don’t have cover.
What level of cover should I consider?
A small business should have at least £1000.000 but if you work in higher risk areas or work for local authorities, railways etc. you may need £5 - £10million.