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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Public Liability Insurance is an insurance type which helps to essentially protect businesses against claims brought against them by third parties such as customers – either for personal injury or for damage to their property.

Whereas Professional Indemnity Insurance helps protect businesses when it comes to claims made against them by dissatisfied clients – usually involving advice rather than a physical injury - public liability insurance deals with

Accidents can happen, and having a safety net in place for when they do happen can help to prevent your business against costly claims. Public Liability insurance policies ensure that businesses have a means of paying any damages, whether to equipment, property or personal injury claims brought against them.

Whilst it is not an essential insurance to have, if your business frequently interacts with the public – whether its’ fulfilling deliveries or site visits from external clients - it can be worth taking out a policy to protect you against any risk.

Who Needs Public Liability Insurance?

Public-facing businesses such as restaurants, or businesses that have visitors to their sites – either in offices or on outdoor sites such as construction sites – are those for which it is advisable to take out some public liability insurance.

Public liability insurance will help to protect your business if a visitor is injured, or suffers damage to their personal equipment such as laptops, during a visit to your business, either on a site visit or for the purpose of a business meeting.

If you have a side of your business which is public-facing and interacts with customers on a daily basis, it can be worth seeking out some public liability insurance in order to help protect you against claims made against you.

What Does Public Liability Insurance Cover?

Public liability insurance policies are tailored to the needs of each individual business, but essentially covers against the same sort of claims brought against them, so whether your business is roofing or a restaurant, having some PL insurance can help to provide an extra level of protection in case of incidents.

Here’s an example; you have a salesman visiting your business and he trips over a loose network cable in your office, dropping his laptop in the process and rendering it unusable. If the accident occurred as a result of your negligence, a public liability insurance policy would help your business to cover the cost of the salesman’s’ claim for repairs to, or the purchase of a new laptop.

Does It Apply To All Businesses?

The type of business you’re in can have an effect on the price of your premium, many brokers will work in increments when it comes to valuing your business (£1m, £3m, £5m, etc), be sure to speak to a broker in detail and provide as much information about your business as you can.

Are There Any Add-Ons For Policies?

Some brokers might even offer additional products as part of a public liability insurance policy – including employers’ liability and cover for tools and equipment.

There are certain situations which may not be covered by a public liability insurance policy:

  • Working at heights over 10m
  • Working in certain conditions – including extreme hot and cold

These conditions should be disclosed to your broker during your quotation so that you can be priced correctly, and remember that it’s always better to be overinsured in order to protect against any future claims, so it’s always better to prepare for multiple claims just in case.

If you’re looking for a quote on a public liability insurance for your business, why not let us at Quotiva do the searching for you? Fill out a few details about you and your business and we’ll search our broker network to find you the best quotes.


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