Public Liability Insurance

Public Liability insurance is recommended for businesses that involve contact with members of the public, either on or off your business premises.

If a member of the public sustains an injury, loss, damage or even death because of your business, they may claim against you. As a result, this is where a Public Liability Insurance policy can step in.

Compensation may be claimed by the member of the public including immediate or future loss of earnings or an award of damages to the claimant. Without a Public Liability Insurance policy, you will need to pay the claim at your business expenses - possibly could be in the thousands and millions.

Some customers may insist on having this insurance in place before entering into a business agreement with you.

Although not a legal requirement, having a public liability policy can safeguard your business against unforeseen expenses in case of an accident or damage caused to a third party or their property.

Types of Businesses who have Public Liability Insurance:

• Caterers
• Retailers and Shop Owners
• Property managers
• Home workers who have members of the public visit their home
• Your business visits clients’ properties to carry out work
• Hairdressers
• Dog Walkers
• Plus much more

These are only a few examples of businesses that are likely to have Public Liability Insurance. If you're unsure whether you need Public Liability Insurance or how much cover you may need, speak to our team to discuss your requirements. We offer a no-obligation quote and we're more than happy to explain the details of the insurance policy.