Public Liability Insurance Coverage
Public liability insurance 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.
Freelance technicians should ensure that they have sufficient public liability insurance.
Like all other professionals, you face daily risks, and it is essential that you find an insurance company that offers you the best possible coverage at the most affordable rates.
Audio Visual (AV) Technician
Public liability insurance policies give self-employed people the peace of mind of knowing that you are properly covered so that you can concentrate on running your business!
If you are self employed, you should give serious consideration to arranging public liability insurance as well, to protect you against claims for injury to persons and damage to other peoples property.
Computer Repair Technician
Where a member of the public or a person not employed by you suffers injury caused by your work activities or the carelessness of one of your employees, they may be able to sue you for compensation. If you or your employees cause damage to property in the course of your work activities, again the owner may sue you for compensation.
Public liability insurance can cover you for such claims.
Nail Technician – Manicurist
Nail technician may seem like a safe occupation but you should always consider a public liability insurance policy to cover yourself in case any member of the public tries to hold you liable for any insured peril such as injury caused to them due to your negligence or damage to any of their property.
Public liability is legally optional but this isn’t to say that you can simply forget about it, you should include the cost of a public liability policy into your business plan, after all the premium is minimal when compared to what a liability claim could cost you.