Why do I need public liability insurance?
Public liability insurance covers damages awarded to members of the public as a result of injury, or damage to their property, caused by your business activity.
Sufficient cover is essential to protect yourself and your business against claims of negligence where a member of the public has been injured, or their property has been damaged, as a result of your business activity.
If customers or members of the public visit your premises, or you work on their premises, you should consider taking out public liability insurance.
Here are the key benefits:
- £1 million, £2 million or £5 million levels of cover are available
- Public liability insurance for up to 12 employees (20 for non-manual professions)
- Over 250 trades and professions catered for, including more difficult to insure trades such as scaffolders, roofers and working at height
- Also covers legal fees, costs and expenses, as well as treatment costs which the NHS may claim from you following an injury to a member of the public