Do I need public liability insurance?

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Public liability insurance policies are designed to provide businesses with confidence as they carry out their business activities.
If your business comes into contact with members of the public, public liability insurance is most definitely something that you should consider.

This type of policy is designed to financially safeguard your business from any claims made by clients or members of the public who suffer an injury or damage to their property as a direct result of your business operations.

Public liability insurance is not a legal requirement but it is vital that you know just how beneficial it can be.

If a member of the public were to make a claim against you because your business operations had caused damage to them or their belongings or property, the cost of the claim could escalate to tens of thousands of pounds or more. Could you afford to pay damages as well as pay any compensation and court costs?

We understand that accidents can happen at any time no matter how careful you may be. Minimise the risk by implementing safety measures and procedures whilst protecting your business with the correct insurance.

Public liability insurance can cover the following types of claims:

• A member of the public suffered a head injury because a window cleaner’s bucket had fallen off his/her ladder directly onto their head.

• The bonnet of a car was damaged after a window cleaners bucket had fallen off their ladder. Public liability insurance would cover the cost of third party damage.

• A member of the public becomes ill or dies because a window cleaner had put cleaning products into a glass which was then drunk in error causing poisoning.

Don’t get caught out. It may be an optional purchase but what does a one-off payment cost compared to hefty claim charges.

Public Liability Insurance

This guide is part of our series related to public liability insurance, for more guides, or to get a quote, head over to our public liability insurance section.

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