Public Liability Insurance
PL insurance is a must - the current trend for suing is a concern for many businesses . No matter what trade you work in, Quotiva can help you find and compare cover ...
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"I have found a hugely cheaper quote than my renewal, I am absolutely delighted" P.Macnally (Truro)

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What is public liability insurance?

Public liability insurance covers your legal liability for bodily injury (or worse) to third parties and damage to their property. Notice we said third parties - PL insurance doesn't insure you against claims by your own staff..

When might I need it?

That depends on your trade or profession. Here's a few general examples:

An accident at your commercial premises

You have a salesman in and he trips over a loose network cable injuring himself and destroying his laptop. Assuming there's negligence involved on your part, he's got a claim.

An accident at someone else's premises

You go out to visit a client and knock over the 50" plasma in the conference room with your projector bag. Public liability policy documents better be available for that property damage!

It's not a legal requirement to have this type of commercial insurance (unless you're involved in horse riding!) but if there's any chance you could cause injury or damage to anything / anyone that isn't "owned" by your business, the peace of mind PL provides against threat to your financial assets in the event of a claim is something worth protecting. One slip by a public customer without a warning sign and you could be in for some unexpected expense..

Local authorities will always require proof of at least £2m cover and few clients will take you on without asking to see your PL certificate in case they end up needing compensation.

Indemnity limits

The amount you can cover seems enormous on public liability, but in truth claims can be very large too. Most brokers have a panel that will cover standard limits of £1m, £2m, £5m etc. Remember you could have multiple claims against you, so be careful not to under-insure. The brokers will be able to tailor a quotation to your needs based on your type of business, turnover, number of employees and level of activity (they'll take into account previous claims history and so on as you'd expect too).

What's covered under PL?

Apart from the above, public liability insurance policies may have various extra options available.

Employer's liability

Sometimes underwriters create "business insurance" packages that might also include employer's liability for example.

Tools Cover

A big proportion of PL policies are sold to tradesmen (building and allied trades - dryliners, plumbers, roofers, joiners, carpenters for example) so tools cover is quite often available.

Others

Loss of earnings, loss of future earnings, legal costs (for you and a claimant) and legal expenses cover are all typical and you may also see options for cloakroom cover, car parks, data / consumer protection risks and defective premises.

Exclusions

This is where finding public liability quotes can get trickier. If you work with heat or at heights over 10m you're going to find yourself instantly in a higher risk category and may require more specialist underwriting.

In summary...

If you deal directly with the public or local authorities, or are concerned in any way that you or your business could cause loss, damage or injury to third parties or their property on or off site - get a public liability insurance quote today!