Public Liability Insurance
Anyone who has visitors to their business premises or who visits clients' sites needs public liability (PL) insurance.
The insurance covers claims made against you if a third party is injured or their property is damaged in the course of your work.
Why you need PL
Imagine a nasty accident caused by someone tripping over a cable in your office: a broken wrist, time off work, and a costly claim for damages.
For both personal injury and property damage claims, your public liability (PL) insurance will cover compensation awards, legal defence costs, and expenses.
Settlements can reach six figures in PL cases. The legal costs of a claim, let alone compensation payments, can be enough to put you out of business.
The good news is that we've found PL claims to be few and far between. And that means insuring your business won't cost you the earth.
Please note that this insurance will not cover you for a claim made against you by your colleagues. Even if you are only employing one other person, you will need to have employers' liability insurance.
Claims example
Imagine you're at a client's office.
You accept their kind offer of a cup of coffee, giving you time to build a good rapport with the IT manager.
And then it happens.
With one enthusiastic gesture, you spill your coffee over a computer server. The system crashes and important data is lost: you are pursued for the cost of repairing the damage.
Fortunately, your public liability insurance policy pays for the server to be repaired and compensates your client for their lost data.
Quote and buy online
Public liability insurance can be purchased as a standalone policy on our office site or added to any quote for professional indemnity insurance.
You can get an instant quote from us for £1 million, £2 million or £5 million of cover. Our website enables you to arrange your policy and download your documents within 10 minutes.
It really is that simple.
Of course, if you'd prefer to talk things through with one of our consultants, please give us a call on 0845 370 9030 between 9 and 5.30, Monday to Friday.
If you need a level of cover that is not available online, please let us know so that we can provide a bespoke quote for you.