in Norwich, Norfolk and Ipswich, Suffolk
Public liability provides cover against injury or damages claims which arise from your business interacting with your customers or the public. If they suffer personal injury or damage to their property due to your negligence, you can be faced with a claim against you.
When referring to your premises, this also includes self-employed people who work from home as your home constitutes your workplace in the same way an external office would. Public liability cover also covers when you are working at the premises or sites of your customers. If a lack of diligence causes injury to any of their personnel, customers or damage to their property, they are entitled to bring a claim against you.
Public Liability policy can be customised or extended with a range of covers which include:
With our comprehensive range of cover available, you can rest assured that we will find the insurance policy at a highly competitive price that will give you maximum cover and protection for you and your business.
We work with all of the main UK insurers so we can offer expert advice to ensure your business is well protected. For the peace of mind that you have the right business insurance cover please give us a call on 01603 954841, send us an email or pop in and see us.
Do I legally have to take out Public Liability insurance?
Unlike Employers Liability or Motor Insurance, Public Liability is not a legal requirement but should be considered essential to any business that interacts with the public. A small slip or trip injury at your office, factory or other premises can quickly grow to a claim in the thousands of pounds once all legal costs are taken into account.
How much Public Liability do I need?
Public Liability cover will normally start at £1,000,000 and can be increased from there depending on the risk presented. Some businesses need higher limits of cover due to the riskier activities leading to increased chance of a claim. However, sometimes you may be contractually obligated to take out Public Liability at certain limits of cover, for example, if you are working in a hospital, school, government buildings.
Why should I use a broker instead of a price comparison website?
Price comparison websites filter results by the cheapest premium before filtering by covers included - You could find that a policy was the cheapest but didn't cover you for some of your key business activities leaving you exposed to potential claims. They also rely on you understanding the technical questions, knowing what covers are required and providing the information requested accurately.
An insurance broker would advise you on what covers your business may require that you had not considered, along with ensuring that all information is collected accurately. You would then be offered a quote with a competitive premium for the correct covers, rather than a cheap quote on the wrong cover.
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