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Public Liability

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What is Public Liability Insurance?

Public liability insurance will cover any legal fees or compensation you may be liable to pay should someone open a claim against your business.

Legal fees can be expensive and for many small businesses the costs involved in a court case can swiftly demolish their finances. Public Liability Insurance can help provide financial protection when you need it most and is perceived by many business owners to be an essential expense.

What is Public Liability Insurance?

Public liability insurance will cover any legal fees or compensation you may be liable to pay should someone open a claim against your business.

Legal fees can be expensive and for many small businesses the costs involved in a court case can swiftly demolish their finances. Public Liability Insurance can help provide financial protection when you need it most and is perceived by many business owners to be an essential expense.

What will Public Liability Insurance cover?

Public Liability Insurance will provide cover for you if:

  • Your business is being held responsible for a customer/member of the public becoming ill or injured.
  • Your business is believed to be responsible for the damage of a customer/member of the public’s property.

Claims can be made against you by anyone who believes your business activities have damaged their property or caused them harm. Even if you are not at fault, defending yourself could still harm your business as the legal fees begin to pile up. Public Liability Insurance can provide great peace of mind and a guarantee that you can deal with any claim against you head on.

Does my business need Public Liability Insurance?

Public Liability Insurance isn’t legally required but can be an asset to any business that deals closely with clients or customers, even if you’re self-employed or work from home. Even the smallest of accidents can leave you open to claims and many sole traders can be especially vulnerable. Whether a business meeting takes place in an office or a coffee shop, you could be held liable for any damages that occur. Public Liability is a requirement of many membership bodies and you could potentially lose business by not taking out a policy.

How much does Public Liability Insurance cost?

When calculating the cost of your Public Liability Insurance we take several factors into account. These may include:

  • The size of your business
  • Any previous claims that may have been filed against you
  • Where your business is located
  • The size of your industry

Every policy is unique, and our specialist insurers evaluate all the risks your business may face. Adding Public Liability Insurance to your existing policy is quick and easy and Product Liability can also be arranged if necessary.

Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to help save you money

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