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Public Liability Insurance
Whether you are a new business or an existing one you need to consider obtaining the correct covers for your activities. Public liability insurance, although not a legal requirement, is extremely important as a claim against your business without appropriate cover could potentially close the company or bankrupt an individual sole trader.
What is Public Liability Insurance?
If you come into contact with members of the public, including site visits, meetings and events then Public Liability is a MUST! It will provide you with cover in the event of accidental bodily injury such as trips and slips as well as damage caused to property. Due to the nature of these incidents the claim settlements can be vast and as the cost of Public Liability insurance is normally minimal we would always recommend cover to our clients. Public liability insurance policies will, in most cases,also include product liability insurance which is designed to cover the products either sold or manufactured by a company. Any product sold or even given away must be fit for purpose and you will be legally responsible for any damages or injury caused from a product you supply if it goes wrong.
Your public liability insurance policy will cover your legal liability to pay damages in the event of a third party (member of the public) sustaining bodily injury, death or damage to their property or person as a result of your business activities.
The public liability policy is designed to cover the legal cost to defend an allegation against your business and should you then be found neglectful, any damages awarded up to the level of indemnity you purchase.
Do you need public liability insurance? If you would like to protect your business and you want to restore peace of mind to get on with your job, get a quote from us today. Can you afford not to have public liability insurance?