If an accident or unforeseeable incident occurs that causes damage or injury to someone – other than your employees, you may be found legally liable to cover the costs.
Public Liability insurance can help to protect your business from the financial risk of liability claims, giving you the certainty you need to conduct business with confidence.
Who needs it?
Public Liability is not mandatory for most business, however it is highly recommended. Why? For the simple reason that accidents happen, they are hard to prevent, however the costs of being sued can be extremely high.
What does it cover?
Public liability insurance helps protect your legal liability to third parties including clients, customers and the public for injury or damage to their property, caused by the business. This cover will generally pay the costs of investigating, defending and settling claims, as well as any compensation payment that the business might be found liable to pay.
What is excluded?
As with any policy there are exclusions. There is also often a deductible or excess and limits on cover so check with us to further investigate these on your behalf.