Public Liability Insurance

Public liability insurance isn't the only type of cover your business can benefit from. Other types of business insurance include:

• Product liability - this covers you if a product you manufacture and sell, or you sell someone else's product, causes injury to a member of the public or damages their property.
• Professional indemnity insurance - this covers you if a client believes you have made a mistake or given advice that has caused them financial or reputational damage.
• Buildings insurance - this covers the costs required to repair your place of work if it is damaged due to an insured event, such as a flood or fire.
• Contents and stock insurance - this covers the costs required to repair, or replace, the essential items needed to run your business if they are stolen or damaged due to an insured event, for example, a fire.
• Business interruption - this covers your loss of turnover if your business cannot trade due to damage to your property which is covered by your policy. If you need to temporarily relocate due to this damage, we may also pay for the relocation costs if it's economically viable.

Public liability insurance covers accidents that happen to members of the public, that are caused by your business activities and you're held liable. It doesn't cover:

• Accidents or injuries which happen directly to you
• Damage to your own property
• Accidents which affect your employees - this is covered by employers' liability insurance

No. You need employers' liability insurance to cover your employees, temporary staff, apprentices, 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.