Public Liability Insurance – Designers
Graphic design is a very low public liability risk (insurance is all based on risk).
Public liability basically protects you if you cause any physical damage during the course of your work. Potentially (but very unlikely) you visit a client’s site for a meeting – put your bag down and someone trips over it and breaks their leg and tries to sue you.
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 public liability insurance for your business by comparing policies.
Public Liability And Legal Obligations
Public liability insurance is voluntary and protects against claims made by third parties (members of the public or other businesses) if they are injured or killed during a visit to your studio or work space. Also covered is damage caused to property as a result of your business activities. If you do projects involving members of the public, it is a good idea to have some sort of public liability insurance.
Amount Of Liability Cover Required
How much your public liability insurance costs is dependent on the type of business you run, the size and the turnover.
Having the right public liability insurance is crucial, if anything was to go wrong or any action taken against you, you could lose a substantial amount of money or even risk having to close your business.
Peace Of Mind
Public liability insurance policies give people like you the peace of mind of knowing that you are properly covered so that you can concentrate on running your business!