New policies only. Cover on an equivalent basis to ours. Qualifying criteria apply. Excludes policies with home emergency cover added. Terms & Conditions.
Public liability is a type of business insurance. It covers the compensation costs and legal fees you are required to pay if a member of the public is harmed, or their property is damaged, because of your business activities.
Public liability insurance can help to pay for a number of legal costs. Areas where a policy will help you include:
It's not a legal requirement to take out public liability insurance but many business owners see it as an essential business expense, and it's required by many trade associations.
In many cases, you may find that you're asked to show proof of public liability before you're permitted to trade. Tradespeople will often need to show proof of cover before they're allowed to set foot on a client's premises and start work. Similarly, if you're a retailer selling products at a craft fair, you may be asked to show your policy documents before you're allowed to set up a stall.
Even a quick meeting in a coffee shop holds liability risks. If you're a freelance journalist, for example, and you knock hot chocolate over your interviewee's laptop, you could be liable for the cost of replacing it and their loss of income while they're waiting for it to be repaired.
There are also risks if you work from home. For example, if a delivery person falls down your staircase because the damaged handrail comes off in their hands, and they suffer an injury, they could make a claim against you.
There are several factors that impact the cost of public liability insurance. 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 specific line of work.
You may sometimes be asked to provide proof of your public liability insurance. This is to assure the people you are working with and for - e.g., a client, event organiser or venue owner - that you have a suitable level of cover for the work you are being asked to do. We provide instant proof of cover, with your policy available to download as soon as you take out insurance with us.
You may also need to provide a schedule of insurance. This is also available online, and sent out to you via email, as soon as you have purchased your insurance policy.
We include product liability within our public liability cover, so if you make 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.
A customer could suffer a product-related injury, or damage, weeks or even months after purchasing the product. E.g., if an electric lamp overheats a month after the customer has purchased it, causing a fire and damage to the customer's house. For this reason, we offer product liability cover on an annual basis.
Public liability insurance won't cover your tools, but you can insure your tools and your other equipment, e.g., laptops and smartphones used for work, with our tools cover. If your items are stolen or damaged because of an insured event, e.g., a fire, flood, storm or accident, we can cover the cost of replacing them, so you can concentrate on keeping your business running.
From public liability to tools cover, you can include a range of different cover types within a single policy.
Public liability insurance isn't the only type of cover your business can benefit from. Other types of business insurance include:
Public liability insurance covers accidents that happen to members of the public, that are caused by your business activities. It doesn't cover:
No. You need employers' liability insurance to cover your employees, temporary staff, interns and students. If they become ill or suffer an injury because of the work they do for you, and decide to make a claim against you, employers' liability insurance will cover your legal fees and compensation costs.
This depends on a number of factors. It largely relates to the type of business you run, as opposed to the amount of people who work for you. If you run a company where you're regularly coming into contact with members of the public, customers or clients, then you should consider public liability insurance.
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