Public Liability Insurance You Can Count On
Get the right level of public liability insurance cover today to protect your business against legal action from customers in the event of an accident. With a leading insurer panel to choose from, our team of insurance advisors can provide a tailored insurance policy for your specific needs, giving you complete peace of mind that your business is covered.
Be Wiser with your public liability insurance and get a quote online now or call us on 0333 003 0347.
Be Wiser's Guide To Public Liability Insurance
Public liability insurance provides cover if a customer is injured on your premises or if you accidentally damage somebody else’s property while carrying out your work.
Business owners must offer a ‘duty of care’ to their customers. This means if property is damaged or someone is injured as a result of them carrying out their business activity, the customer has the right to sue the company. Since accidents are bound to happen in the workplace, a public liability insurance policy covers the cost of the damages such as medical bills, compensation or repairs.
A typical example is when a customer comes into your shop and accidentally trips on something and injuries themselves. A similar example is if your profession involves working on other premises such as a plumber or electrician and you accidentally damage your customer’s property whilst on the job.
Specifically, individuals who require a duty of care include:
- Invitees: customers you invite into your store or shop.
- Trespassers: those who enter your property even though you did not give them permission to do so.
All businesses are recommended to have some form of public liability insurance if their work involves coming into contact with the public. Although it’s not compulsory for private sectors, it can be more costly not to have it. If a customer wants to file a claim against you, it could cost significantly more in legal fees and compensation to resolve the case.
Self-employed professionals may also require public liability cover if they work from home and regularly have clients visit them or if their job involves them working in their customers’ premises.
To get public liability insurance for your business, simply get a quote online or give one of our UK-based advisors a call on 0333 003 0347. We will ask a few questions about your company, your industry and your claim history in order to help you get the right public liability insurance policy for you.
Public liability insurance only offers protection for claims made by customers and does not include any accidents that injure or impact the company’s staff or employees. In this case, the business owner would require employers’ liability insurance and this is compulsory for all companies.
Small and medium-sized businesses can obtain cover from £1 million up to £10 million. It is very common for working with local authorities or the public sector to require you to have a minimum cover of £5 million. When getting a public liability insurance quote, our advisors will take into consideration the size of your enterprise and the risks to the customer.
If you work from home and run a small operation, you may only require a low level of cover. However, if you own a customer-focused business such as a restaurant and have lots of customers frequenting your premises on a daily basis, you may require a higher level of cover. You could pay more for your policy where there are risks to the customer due to the presence of heavy machinery or potentially dangerous materials, for example at a dentist surgery, a hair salon or a beauty salon.
To get a public liability insurance policy tailored to your business, get a quote online or call 0333 003 0347.