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Public Liability
What is Public Liability Insurance?

Public Liability Insurance covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.

Why do I need Public Liability Insurance?

It is impossible to eliminate all risks if you are running a business. However, the law states that if you cause damage to someone or their property then you will have to pay the claim amount which, in the worst case scenario, could run to many millions of pounds. By taking out Public Liability cover you are protecting your business against going bankrupt should the worst happen. The insurer will pay the claim and any legal fees. The knowledge that your business is protected will also give you the confidence to concentrate on the running of your business, rather than concerning yourself with “worst case scenarios”.



What other Insurances might be relevant? Print
Other insurance covers that are often added to Public Liability Insurance are:
  • Employers Liability 
  • Product Liability
  • Personal Injury 
  • Legal defense costs
  • Loss of Tools
  • Contractors Plant
  • Goods in Transit 
 
What Types of Business do we Insure? Print
We are able to offer Public Liability Insurance to most industries and sectors, including:
  • Builders
  • Carpenters
  • Gardeners
  • Office based workers
  • Plumbers
  • Window Cleaners
  • Carpet Fitters
  • Tilers
  • Stone Masons 
 
Examples of Public Liability Insurance Print
Examples of when Public Liability Insurance would cover you.

You run a plumbing company. One day you are called to an office to sort out a problem in their kitchen. Accidentally, you burst a pipe, and flood the office. Your client then makes a claim against you for the damage to their carpet and computer systems which have been damaged by the water.

You run a marketing firm from a small office. Whilst one of your clients is visiting, he trips on some overturned carpet and twists his knee. He makes a claim against your firm for the injury that he has suffered.

You are a builder. You are running a building project involving scaffolding. One of your men drops a piece of equipment which falls to the street, injuring a passing pedestrian. The pedestrian makes a claim against your firm.
 
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