A Guide To Direct Line Public Liability Insurance
Public liability insurance
If you own a business in the UK, it is wise to take out public liability insurance. Available within a range of Direct Line for Business products, public liability insurance should be considered if members of the public, clients or customers visit your premises.
What is public liability insurance?
Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If a member of the public is injured on your property you may be held responsible. For example, a customer might slip on a wet shop floor.
It is designed to pay compensation which can include loss of earnings, future loss of earnings and damages awarded to the claimant in addition to your legal cost in defending the claim and the claimants’ legal costs that you incur if you are found to be at fault.
Public liability claims can be made as a result of an accident at your business premises or outside of this space – perhaps when you are on a sales visit or working on a construction site, for instance. Some customers or clients may also require you to present proof of public liability insurance before they work with you. This is quite common particularly when working with local authorities, so you need to bear this in mind.
What businesses does Direct Line cover?
Direct Line for Business currently offers public liability insurance as standard cover under eight of our business insurance products. Some of our products include products liability or property owners liability, as per the list below:
Tradesman Insurance Public liability
Shop Insurance Public liability and products liability
Landlord Insurance Public liability and property owners liability
Commercial Landlord Insurance Public liability and property owners liability
Office Insurance / Surgery Insurance Public liability and products liability
Home Business Insurance Public liability and products liability
Guest House Insurance Public liability and products liability
Restaurant Insurance / Pub Insurance Public liability and products liability
Most of our policies provide £2m of public liability cover as standard except Tradesman Insurance provides £1m of public liability cover.
What is products liability?
This cover protects you against injury to your customers and damage to their property as a result of a product you sell or supply. People injured by defective products may have the right to sue for damages. An example of a situation where a products claim might arise is if you run a restaurant and accidentally cause food poisoning by using out of date ingredients, you could be found responsible and have to compensate your customer.
What is property owners liability?
This covers you against injury or damage suffered by third parties whilst visiting the property you own. An example of an incident where a Property Owners claim might arise is where a postman trips on a broken step whilst at your property.
For more information on our public, products or property owners liability cover or on the terms and conditions of Direct Line’s insurance, please see the online policy document for each type of cover.
How can I take out public liability insurance with Direct Line?
You can apply for Direct Line for Business insurance quickly and easily online. When you apply for a quote you will be asked certain questions about you and your business and a premium will be worked out from this information. In respect of public liability insurance, we may consider the type of business you have, the size of turnover, the number of employees, what kind of liability claims you have had and your health and safety record. You can find more details on policy documents but if you want to it discuss further then just please call us.
It’s quick and easy to get public liability insurance with Direct Line for Business – apply online for a business insurance quote today to ensure your business is adequately protected against claims from the public.