What is Public Liability Insurance

Public Liability Insurance for businesses provides cover for legal costs of compensation claims for third-party injury, illness, accidental death, property damage or loss made by members of the general public, or other third parties.

Sometimes, no amount of risk management can prevent accidents. That’s what makes them accidents. This is what makes Public Liability insurance such an essential element of business cover.

Public Liability insurance will cover you in a range of scenarios. For example, a member of the public slips on a wet floor at your business premises and is injured. The individual is self-employed and sues your business and makes a compensation claim for their loss of earnings and medical fees.

Some claims can be a more direct result of your actions, such as accidentally drilling through a pipe or dropping a hammer on expensive tiles. Essentially, Public Liability claims will relate to incidents that occur in connection with your business activities, or as a result of the actions of you and your employees.

Public Liability Insurance – Do I Need it?

While Public Liability Insurance is not a legal requirement, it is useful. Most businesses will come into contact with clients or members of the public during their daily business. Whether people visit your business premises, or you visit client sites, Public Liability cover comes highly recommended as claims can occur at any time.

While a business owner can carry out rigorous health and safety measures, not all accidents can be predicted or prevented. Losses come in all shapes and sizes, from a slip, trip or fall to accidental damage to personal property. Sometimes, the cost of these losses might be far beyond anything you would have anticipated paying out.

In many cases, client contracts may require proof of Public Liability Insurance cover to a specific indemnity limit before the commencement of work. At Insync, our specialist team will be able to find the right level of cover to suit your business needs.

Compare Public Liability Insurance

Comparing business insurance and Public Liability quotes couldn’t be easier! Simply enter a few brief details about your business, and our secure online system will compare liability quotations and cover from up to 10 of the UK’s leading commercial insurers. Equally, our team of business insurance experts will be able to compare Public Liability insurance for you over the phone and provide expert help and advice.

You can purchase your business insurance policy online and instantly receive policy documents in a matter of minutes. It’s that simple, easy and affordable! Whether you’re a sole trader, partnership, small business, limited company, or anything else, a Public Liability Insurance policy can provide peace of mind to businesses.