If you injure a member of the public, or damage their property, during the course of your business, you could have a claim made against you. Public liability will cover the resulting legal and compensation costs.
Perhaps your flashbulb dazzles a passer-by and they have an accident, or one of your lights causes a fire in a client’s home — both of these incidents could be covered by public liability. We can offer cover from £1 million to £10 million, subject to criteria.
Our public liability cover also includes product liability, as standard. So, if your business sells products – e.g. prints or frames – and one of your products causes injury to a member of the public, you’re covered if they make a claim against you.