Public Liability Insurance
Public Liability Insurance covers you for accidents or damage that arises either when you are out and about on business, or have people visiting your premises.
With the rise of the “where there’s blame, there’s a claim” culture in the UK, Public Liability Insurance has never been more crucial. A seemingly small incident can set off a chain of events that can end up costing a business millions – and having the right insurance cover can mean the different between staying afloat or going bust.
Do I need Public Liability Insurance?
If any of the following statements apply to you and your business, then the answer is yes.
- I have employees who work at my premises, meet my clients or both
- I, or my employees, do meet face to face with our clients from time to time (even if out of the office, or only at public events eg trade shows)
If you think your business needs the protection and peace of mind offered by Public Liability Insurance – or if you’re not sure, ring our expert team who can help you to make the right decision.
We’ll find out more about exactly what you do and where you need protection to create a bespoke policy that best suits you.
It is however important to have public liability cover in place to ensure that your business is protected financially, and also to make sure that the interests of the public and your clients are protected. You’ll also find that some businesses will be required by clients to have certain insurance covers in place. Two examples being; a DJ who would need their own public liability insurance and a financial adviser who would usually be advised to have professional indemnity cover in operation.
The insurance company in this circumstance paid for corrective repairs to the damage caused under the public liability section of the policy, costing a total of £20,000.
The plumber had to pay the excess of £250 in order to facilitate the claim
"- Nicholas from Havant , WCHC CustomerYou were very patient and very thorough at explaining the different types of insurance. I was particularly grateful that you telephoned me in the evening so we could have a more relaxed conversation and generally sort out the most beneficial type of cover."
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