Hiscox Insurance

A Guide To Hiscox Public Liability Insurance

Despite your best intentions, accidents do happen and if the accident is as a result of something your business has done then a client, contractor, or member of the public can claim against your business for compensation. Your public liability can be triggered by something as simple as spilling a drink over a client’s computer, or a contractor slipping on a wet surface in your office incurring injury or damage.

To help protect your business, Hiscox can provide small businesses with public liability insurance as a standalone policy or it can be purchased together with our range of business products including Hiscox Employers’ Liability Insurance.

Business insurance

Why have public liability insurance

Even if you don’t have visitors to your office or home, you could still suffer a public liability claim against your business; for example, if you accidentally damage a client’s property in their office
Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a public liability claim
Anyone working for you could trigger a public liability claim against your business if their actions at work injure a client or member of the public
Many companies and organisations will also insist on their suppliers having public liability insurance cover in place.

How Hiscox Public Liability Insurance protects you and your business

Covers you when you have to pay compensation because a client, contractor or member of the public is injured and your business is at fault
Pays out up to £100,000 to cover legal fees spent in defending a claim
You can combine our public liability cover with employer’s liability insurance to create one simple package; alternatively it can be purchased on its own.

If you have employees, employers’ liability insurance is a legal requirement and can be bought as a package with our public liability insurance.

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