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What is public liability insurance?

Public Liability insurance provides cover against claims made either from the public or clients who have suffered from an accident or injury as a result of your company or business.

If a client or a member of the public is injured as a result of your business they could put a legal claim in which could cost you thousands of pounds sometimes leading into millions. It is very important to make sure your business is legally covered. The last thing you need is to put your business and livelihood on the line.

This could cost you loss of earnings and potentially close your business down.

A client could claim compensation from you, Their loss of earnings and future damages

What types of businesses need public liability insurance cover?

  • Builders
  • Electricians
  • Plumbers
  • Window cleaners
  • Scaffolders
  • Caterers
  • Cleaners
  • Tree surgeons

Basically any business that comes in contact with the general public or clients.

What information do I need to provide for insurance?

  • Your business turnover
  • Previous insurance if you have
  • Any claims you have made in the past or ongoing

What types of cover can I get?

Normally public indemnity starts off around £1,000,000 to £10,000,000 sometimes it is not necessary for such a high amount however the more risk your business is with hurting the public the more you should consider.