Public liability insurance covers the compensation payments and legal fees you are liable to pay in the event that someone makes a claim against your business.
Even if your business is not at fault, the costs of defending yourself in court can still be high; many small businesses may struggle to recover financially if they don’t have insurance in place.
It’s not a legal requirement to take out public liability insurance but many business owners and professionals see it as an essential business expense.
Public liability covers you if:
Anyone can make a claim against your business if they believe that you, your employees, or your business activities have caused them harm or damaged their property.
Examples of the types of claims public liability insurance would cover include:
We take several factors into account when calculating your premium. These include but are not limited to:
Our insurance specialists develop and price our policies based on a detailed understanding of each sector and the risks that come with your line of work.
It’s easy to add public liability to your insurance policy, along with the other covers your business needs.
We include product liability within our public liability cover, so if you make and/or sell items, you’ll be covered if one of your products causes injury or damage to a member of the public or their property.
If you want to get a public liability insurance quote, just use our online quote tool, answer a few questions about your business and we’ll give you a full breakdown of what we can offer you.
Public liability is the most relevant insurance cover for anyone who deals face to face with customers or clients.
You may not think your business needs the protection of public liability insurance but even the most mundane meeting in a coffee shop holds liability risks. If you’re a freelance journalist, for example, and you knock your hot chocolate over your interviewee’s laptop, you could be liable for the cost of their computer.
If you’re self employed, public liability insurance is important as you’re solely responsible for all of your business expenses. So, just one unforeseen court case could leave you in a vulnerable financial position. Even if you work from home you may need cover if customers or clients visit your home office.
In some cases, you may find that you are asked to show proof of public liability insurance before you are permitted to trade. For example, if you are selling products at a craft fair, you may be asked to show your policy documents to the event organisers before you are allowed to set up a stall. Meanwhile, some customers will ask tradespeople to show proof of public liability insurance before letting you work in their homes. Taking out public liability isn’t just sensible, it can actively help you get new work.