Is there a risk of you, your staff or your products causing damage or injury to another person or their property?
If so, you might need public liability insurance.
Public liability insurance covers you if visitors to your place of work injure themselves or if you accidentally damage something or somebody whist away from your premises.
The most common incidents that result in a claim for compensation are slips and trips by visitors.
Whilst it is not a legal requirement you should consider this as one of your core business insurances, irrespective of the size of your company. If members of the public or customers visit your office or work premises, even if you are home based, having public liability insurance is a must.
If a claim is made against you it could include:
- Loss of earnings
- Future loss of earnings
- Damages awarded to the claimant
- Claimants legal fees
- Cost in defending the claim
Aside from the general public liability, if you sell a product, even as a retailer, you could be liable for loss or damage caused by any defects in the products, so you will also need a products liability extension. Current legislation makes the retailer liable even for goods sold in sealed manufacturer packs!
Cover at a glance
Public liability insurance covers for the legal liability to pay compensation for bodily injury, illness or disease, or loss of or damage to third party property arising from the business activities
Why use a broker?
At J Bennett & Son we tailor the policy to suit you and your needs because every business is different.
You will have your own dedicated account manager, who will make it easy for you to switch from your existing insurer. We offer you flexible payment options, bespoke insurance solutions, specialist knowledge and impartial advice.
If a claim has to be made, we work with you, the insurer and the loss adjusters to get it settled as quickly and as satisfactorily as possible, removing the hassle and worry you may have. It’s why so many of our existing customers have been with us for over a decade.
We’ve been providing insurance that is built around you since 1908. For a personal approach to insurance and a chat about your needs, call us on 01494 450 450 or email us at insure@jbennett.co.uk today.
You might also be interested in:
