This website, yourpublicliability.org, is about helping people like you solve your business insurance problems and compare insurance quotes.
Business insurance and public liability insurance protect your business from the costs and legal fees of claims if a member of the public is injured by you, your employees, or accidentally whilst visiting your business. It will also cover you if you damage property belonging to someone else while carrying out business activities.
Businesses are not required by law to have PLI but is a sensible precaution to take. If you sub-contract for a company then it is very likely they would insist on you having public liability insurance.
Public liability insurance only covers third party claims, and not those made by your own employees, for that we offer Employers Liability as part of your business insurance cover.
Public liability insurance covers a wide variety of trades.
Public liability insurance coverage may be obtained for many types of businesses such as consultants, engineers, technicians, installers, repairers, contractors, maintenance workers, fitters and cleaners.
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Small Businesses And Sole Traders Need Public Liability Insurance
Even trivial accidents can lead to expensive claims against the business.
For example: a painter and decorator working in an office knocks over a cup of tea into a computer. The computer goes ‘pop’ and the unfortunate painter and decorator receives a bill for several hundred pounds.
More serious accidents can lead to much more expensive claims.
Example: a builder working on property dislodges a tile from the roof which falls on to a passer-by below and puts them in hospital.
Without public liability insurance, the builder might face compensation costs that might put him out of business.
And expect the unexpected.
Example: a dog’s collar snaps, the dog rushes away from its owner into the road and causes an accident. The dog collar manufacturer is then sued.
Give yourself peace of mind – buy some public liability insurance today!
Cheap Public Liability Insurance Quotes Compared Online
Cheap public liability insurance costs can easily be compared online. It makes sense for the prudent business man to review the different quotes available and find the best one suited to their budget.
Public liability protection covers injuries and damages claims brought against your business, either at your own workplace, at a customer’s workplace or elsewhere when you are carrying out your business.
It also covers other mishaps that you might encounter, such as damage to or loss of equipment that you own or have hired from third party suppliers. Equally, it covers damages to or loss of goods in transit.
The amount of cover you need will vary according to your business type and other factors. Many small businesses take out a minimum of £2 million of cover.
To get best value for money, you should compare the market and get a range of quotes from trusted insurers.
Public liability insurance is designed to cover your business in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party’s property. If you were ever put into a situation which made your company liable to be sued, having the right insurance can give you the cover you need.
Find out how much you could save on the PLI for your business by comparing policies.