What does public liability cover?


Public liability insurance is a way of financially protecting your business from any claims made against you by the public. It’s not every day a member of the public will make a claim against your business, but one single claim can be severely damaging if you fail to purchase public liability insurance.
Despite being extra careful with following the rules and regulations, accidents do happen, and in many cases your business can be blamed.

If your business operations were to injure a member of the public, expose them to an illness/disease or damage their belongings in any way, it is extremely likely that they will pursue legal action. During this unfortunate incident, public liability insurance would be most beneficial for your business in order to stay afloat & protect your assets.

It is not a legal obligation to hold a public liability insurance policy; However for many industries it will certainly be advised, especially the construction and retail sectors.

Examples of incidents likely to result in a public liability claim:

• A member of the public incurs injury on an unattended construction site. The business would be at fault for failing to ensure the site was securely shut off from the public.

• Whilst painting at a private property, ladders fall over and break a dining chair belonging to the owners of the property. The business would be sued for damage of property.

• Removing tiles off the roof of a building without any protection around the edge. A tile slips and hits a member of the public. A claim would be made for neglect causing injury.

• A plumber has wrongly fitted a pipe in the bathroom of a private property which floods the house. The tenant would claim in order to replace their damaged property.

• Whilst fixing the electrics of an office, one of their employees falls over a wire that was left on the floor. The electrician hired would be at fault for failing to work safely.

• Tools are left on the floor of a construction site and a member of the public trips over them as they walk past. A claim would be pursued for failing to ensure health and safety is in order at such a dangerous environment.

• A customer falls ill with food poisoning directly resulted to the fish served at a restaurant which was found to be improperly stored. The business would be at fault for failing to abide by food hygiene standards.

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.