• Public liability

Public liability insurance

Public liability insurance keeps your business prepared for compensation claims from customers, suppliers and other members of the public.

Your public liability is triggered when accidents and mishaps occur, because of something your business has done, or neglected.

Public liability insurance responds to your liability to the public i.e. when there has been an injury, or damage to/loss of property. It pays related expenses and legal fees.

It will potentially meet the cost in many situations. For example, if you are on a client’s premises and accidentally spill a drink on a computer; or if a customer trips, or suffers an electric shock on your premises. Your public liability could be triggered by something as simple as a wet floor.

It is not a legal requirement, but some clients may insist on you having public liability before doing business with you. It keeps your business prepared and reassures clients, suppliers and authorities.

To cover employees, you need employer’s liability insurance. Many of our specialist policies include both together.

Contact your local office