Do you need Public Liability insurance?
Public Liability insurance should be considered if members of the public, clients or customers visit your premises. It’s also a good idea if you run a home business and customers occasionally visit you there.
Public Liability insurance covers your business against claims made by third parties (members of the public, visitors, trespassers, sub-contractors, etc) who have been physically injured, or whose property has been damaged, or both by your business processes and activities. In the absence of cover the costs of a claim can be enough to shut down a small business.
If you think you might need Public Liability insurance for your business and would like to discuss it please get in touch with one of our friendly, experienced and professional advisers by telephoning 020 7241 3232 or by using the live chat feature on the left of the page.
- You could save yourself £££s on your Public Liability insurance simply by asking us to get a quote on your behalf.
- We'll go to an extensive panel of insurers for you.
- You can call us between 9:00am and 5:00pm Monday to Friday and 9:00am and 1:00pm on Saturdays.
- You can also talk to one of our friendly and professional advisers using the live chat to the left of this page.
- It only takes a few moments to request a quote online and we'll do the hard work for you - we take pride in saving you time and money.
Frequently asked questions
Who needs Public Liability insurance?
Most organisations include Public Liability insurance in their insurance portfolio. Private individuals who occupy land should also consider this type of insurance. For example, a rotten branch may fall from an old tree and injure a pedestrian.
In essence, Public Liability insurance should be considered if members of the public, clients or customers visit your premises. It’s also a good idea if you run a home business and customers occasionally visit you there.
Am I liable for injury to trespassers on my property?
The degree of care owed to trespassers, although slight, nevertheless exists - particularly if a source of danger is deliberately created, or where small children are involved.
What are the most common Public Liability claims?
The most common types of claims are made by people who have suffered from injury due to slips, trips and falls. Claims for stress and anxiety due to hold ups and elevator malfunction are also fairly common, as are claims for damage caused by falling objects.
Businesses must consider all potential risk exposures when deciding how much coverage is appropriate and cost-effective. Those with the greatest risk exposure for example are occupiers of premises where large numbers of third parties frequent at leisure including shopping centres, pubs, clubs, theatres, sporting venues, markets, hotels and resorts. The risk increases dramatically when consumption of alcohol and sporting events are included.
