What Is Public Liability Insurance?
If members of the public or customers come to your premises or you go to theirs (including if you work from home), you should think about taking out public liability insurance.
What public liability insurance covers:
Public liability insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs, expenses, hospital treatment.
Premiums are based on the type of business and rated on an estimate for the level of activity of the business. For most businesses this will be the turnover, although other factors may be used. For example, premiums for a hotel might be calculated on the number of beds provided to reflect the number of guests.
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PLI 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. PLI 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.
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Insurance – Public Liability
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.
Liability insurance 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 PLI before they work with you. This is quite common particularly when working with local authorities, so you need to bear this in mind.
Public liability insurance covers your public insurance liability.
What Businesses Does Liability Cover?
Here are some of the typical businesses public liability insurance covers:
tradesmen, building and construction, hairdressing and beauty, pubs, cafés and restaurants, shops and retail, professional services, landlord, office, home business, guest house insurance.
Public And Products Liability Insurance
Whether you carry out work on your own premises, on site or in other people’s homes or businesses, we can give you public liability cover.
You can also extend this cover to include products liability. This is valuable to you if you are a manufacturer, intermediary or retailer and sell goods that cause injury, illness, loss or damage because of manufacturing default.
Employers’ Liability Insurance
Every employer in the UK must have employers’ liability insurance. It covers you against damages and legal costs following injury or disease to your employees due to their employment. We can offer you employers’ liability cover against these risks.
Insurance For Public Liability
Public liability insurance provides cover against claims made by members of the public who have sustained injuries or damage to their property in connection with your business. If you come into contact with members of the public as part of the daily running of your business, it makes sense to take out public liability insurance.
Insurance Quotes – Public Liability
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How Do I Get Public Liability Insurance?
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