Public Liability Insurance Quotes
Public liability insurance is essential if you have members of the general public and customers entering your premises, or if you visit customers in their homes or place of work. If you are a plumber, electrician, builder or window cleaner, you really should have public liability insurance.
For many other types of professions, from mechanics to accountants, teachers to taxidermists, it is highly advisable to have public liability insurance.
It’s an unfortunate fact that we currently live in a compensation culture. If anybody sustains an injury on your premises, be it a trip or a fall, you could be facing a hefty claim. Similarly, if you are working on somebody else’s premises or in their home and you damage their property, or they injure themselves on your equipment, they may well file for a compensation claim. Without the proper level of cover, such claims could cripple your business.
What does public liability insurance cover?
Public liability insurance will cover you against a range of scenarios from slips, trips and falls, injuries from falling objects or damage to people or property due to the negligence of you or your staff. Public liability insurance can also cover for other eventualities such as cancellation of work due to bad weather, travel and technical problems.
For tradesmen, the risks towards members of the public are varied. Tradesmen not only carry a lot of dangerous tools and equipment with them, they are often in a different home or workplace every day. Should an accident occur, such as a hammer falling from scaffolding onto a customers car, or maybe even their head, or someone slips or trips as a result of the work you’re doing, the potential compensation claim can be substantial. If your work involves electrics, plastering, building, plumbing, roofing, etc., it is essential to have public liability cover.
Many savvy customers will also check that a company or sole trader carries public liability insurance before hiring them, so public liability insurance can make the difference between getting the contract or losing out.
Why get public liability insurance at BusinessInsured.co.uk?
We work in partnership with a number of insurers to find the best deals, the best policies and the best prices. Call one of our business insurance advisers on 0800 1073404 or fill out our public liability insurance quote form.