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Public liability insurance is designed to cover your business if a claim is made against your business for injury to people, or damage to third party property.
For example, if you are office based, the cover will protect any visitors to your office. If you are managing a building site, the public liability cover will cover visitors to the site. Are you a plumber, hairdresser, someone who visits their clients or exhibits at events? Then public liability insurance may typically cover you too.
Should someone suffer from an injury while on your business premises or due to your business operations, or have damage caused to their property, they could sue you for compensation.
This is where public liability insurance steps in by covering the costs (up to £10 million) for legal fees and any financial awards made to the claimant.
This means that if the worst was to happen and someone became injured or property was damaged, your public liability insurance could give you the peace of mind knowing that you’re covered against potentially huge bills.
Public liability is for businesses who operate on or from a property they are responsible for, this is used to protect a business from claims made against you for an injury to a person or damage to third party properties. These incidents can be caused by you or an employee while on business property that you are responsible for.
It can also protect your reputation should something go wrong – something that may typically be very important to you after building up your business over many years.
Public liability insurance is an important part in the protection of your business. It is found appealing by clients as it gives your customers faith that in the event of damage to their property or injury to themselves whilst on your property, you have the cover in place to protect them with your insurance.
The levels of cover your business could need varies depending on your business activity, however it usually depends on:
The business property and the type of work you are covering, as a small office may typically need lower levels of cover than a tree surgeon due to the lessened risk of accident or damage.
It can also depend on the amount of cover you are requested to have under any contracts you have with clients. You usually purchase in levels of cover, starting at £1 million; this covers your business for claims made against it up to the indemnity limit of your annual policy.
Businesses operating in the public sector may require much higher limits with amounts of £2 million, £5 million and sometimes up to £10 million not uncommon.
