Public Liability Insurance

Why is public liability insurance important?

Everyone in business or the trades has a duty to their customers and to society as a whole. If something goes wrong and an accident occurs, it is possible that the blame will be placed on you.

In the event that this occurs, your legal defence costs will be covered by your public liability insurance policy. Accidents and injuries to third parties, as well as accidental damage to their home, office, or business property, while visiting your business premises, or while you are working on their property, are covered by a public liability policy if you are found liable up to the limit of indemnity under your policy.

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What does public liability insurance cover?

Our public liability insurance protects you and your company from lawsuits filed by members of the general public who allege that your negligence caused them bodily harm, property loss, or both.

Compensation claims - if someone is hurt or loses property due to your company's actions, that individual may file a lawsuit seeking restitution. If their claim is successful, they may seek monetary damages to make up for their pain and losses. Whether the incident occurred on your property, theirs, or another location, you are still responsible if it was caused by your business operations.

Legal defence fees - this sum can be used to help cover the expense of hiring a lawyer to represent you in court. Legal representation is part of this total.

Cost of repairs - In the event that your business causes damage to another party's property (for example, a ladder falls and damages the customer's property), public liability insurance will pay the cost of repairs.

Medical fees - In the event of an injury, appropriate medical costs associated with treatment, recuperation, and rehabilitation would be considered.

Extra trades - If you run a business that engages in more than one trade, you can bundle them all under a single public liability policy. If you operate multiple businesses under the same name, you may be able to get one policy that covers everything you do for your customers. If not, give us a call and we'll see if we can make the necessary adjustments.

Liability insurance for businesses - This is a must to protect against financial loss in the event of theft, fire, or other damage to property, goods, or customers. We provide a variety of coverage options for commercial insurance, allowing us to modify your policy to meet your specific needs.

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How much does public liability insurance cost?

Several aspects of your business and the risks inherent in operating it, as well as the amount of coverage you require, will determine how much you pay for public liability insurance:

• What you do as a trade and the risks involved in it, such as working at heights or in the water, or with fire (blow lamps, welding equipment).
• Whether you're renovating an old home or building a brand-new office, every project is important.
• Hazardous Locations such as ports, airports, tunnels, gas/oil operations, and other potentially dangerous workplaces.
• Whether your work and operations are limited to the United Kingdom and/or Europe, or span the globe (including or excluding the United States and Canada), are examples of geographic scope.
• How many workers you have clerical or manual, and whether any are sub-contractors.
• The limit of indemnity you require - £1 million, £2 million, £3 million, £5 million, £10 million or higher.
• What is included in your public liability insurance quote (standard level or extra covers)
• Your Claim Record in the Past
• Estimated yearly payments to direct employees (including clerical/manual workers, labour-only workers, and legitimate subcontractors) for major companies
• Your company's size, as measured by its annual revenue (the more work you do, the bigger your risk exposure, and hence your premium).
• How well you handle hazards and protect employees (Health and Safety Record)

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