Public liability insurance is designed to cover your business in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party’s property. If you were ever put into a situation which made your company liable to be sued, having the right insurance can give you the cover you need.
If you work within trade, public liability insurance covers any damage caused by the insured to a customer’s (third party) property, for example if a plumber was working on a domestic property within a block of flats but failed to fit caps properly whilst undertaking the repairs. This error caused water damage in the property for which he had been hired, as well as the property below then this is when your liability insurance would come into effect. A second example of what your self-employed public liability insurance would cover you for is if you were a bricklayer working high up and dropped a brick which caused damage to a third party’s property then you would obviously be liable for the cost of repair or replacement.
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Public liability insurance also provides cover for any injury which a third party receives if it if your fault, for instance if you were a retailer and left a loose piece of stock or product on the ground which a third party then tripped over and injured themselves then you would usually make a claim on your public liability insurance.
We understand how time consuming and frustrating it can be searching around for public liability insurance which is why are happy to confirm that as a public liability insurance broker we are able to provide instant quotations from several insurers at a time meaning we do the searching so you don’t have to and ultimately you will save time and money on your liability insurance policy.