As a business owner, it’s crucial to protect yourself and your company against any claims made against you for injury, loss or damage arising from your business activities.
The ideal situation is of course that no such claims will have to be made but accidents do happen and it’s important to be prepared and properly insured when they do occur. Public Liability insurance covers you for the costs you incur if a claim is made against you and most Public Liability policies cover incidents which occur on or away from your workplace.
Whilst it is not a legal requirement to have Public Liability insurance, you need to consider how your business would handle a costly claim made against you if you don’t have cover in place. You can select your indemnity limit under the policy which will be the maximum amount your insurer will pay out. Most insurers provide cover from £1 million to £10 million and we recommend the limit is based on and is adequate for the type of work you do.
Public Liability is best arranged as part of a combined liability policy which will also include Products and Employers liability cover and our job is to simplify your options.
The first step to the right liability cover is for us to understand what your business does and what protection you need. So, talk to one of our team and we’ll keep the process really simple and quick so you can spend your time running your business. We’ve been helping companies with insurance since 1960 so we’re in a great position to be able to match you to the right insurance company and the most appropriate and cost-effective policy.