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Check out our blog post: What is Public Liability Insurance?
What does it cover?
Public liability insurance covers your business’ legal liability for any injury or damage you might cause to people or their property during the course of your occupation.
For example, if a customer was to claim compensation for an injury they received whilst shopping in your store, a public liability insurance policy would cover the cost of their claim. It, therefore, reduces your business’ financial risk of accidental damages to members of the public and their belongings, which you could be liable for.
Who can apply for it?
A policy can be taken out by self-employed workers and any big or small businesses that wish to reduce the financial risk of paying out for any accidents and damages that they may be liable for.
Do I need public liability cover?
It is not required by law but it is very unlikely that you will be able to get employers liability without it. In addition, if you subcontract for a company then it is very likely they would insist on you having public liability insurance before they release payment to yourself.
Note: employers liability is a legal requirement if you are directly employing someone or you are employing them as a labour only sub contractor. This will cover you in the event of an employee claiming against you in respect of legal liability for injury sustained or damage to their own property.Get a quote
Buying public liability insurance
The quotation begins with a few questions with regards to your correspondence. You will then be asked when you wish for cover to commence on your liability insurance policy.
Next you will be asked to enter any claim history, obviously if you have made no claims then you can skip this section. Liability insurance claims can often result in no quotation being provided due to most insurers requiring a referral if a proposer has a claims history.