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Public Liability insurance protects your business if it is found legally responsible for causing personal injury to a third party or damage to their property. It covers claims from customers, visitors, suppliers, or the general public related to your business activities.

While not universally mandatory by law for all business types, it is often required contractually by clients, landlords, or for event permits. Regardless, it is considered an essential insurance for any business that interacts with the public to protect against potentially crippling legal claims.

Public Liability covers claims arising from your business *activities* or *premises* (e.g., a customer slips and falls in your store). Product Liability specifically covers claims for injury or damage caused by a *product* you manufacture, distribute, or sell.

A classic Public Liability claim would be a customer slipping on a wet floor in your retail store, resulting in an injury and a lawsuit for medical expenses. Another example is one of your employees accidentally damaging a client’s computer while working at their office.

This is the maximum amount the insurance company will pay for a single claim or in total during the policy period. Selecting an adequate limit is crucial. We can advise you on appropriate limits based on your industry, contract requirements, and risk exposure.

No. Injuries to your employees are specifically excluded from Public Liability policies. You need a separate Workmen’s Compensation (or Employer’s Liability) insurance policy to cover work-related injuries to your staff.

Premiums are based on several factors, primarily your type of business (industry risk), your annual turnover or revenue, the limit of indemnity you choose, and your company’s past claims history.

Common exclusions include claims arising from employee injuries, professional errors (which require Professional Indemnity insurance), intentional acts, contractual liability, and damage to your own property.

This can usually be arranged. It is important to inform us or the insurer about any special events or work conducted away from your main premises, as this may require a specific extension to ensure you are fully covered.

You must notify us as your broker immediately, without admitting any fault or liability. Provide us with all correspondence and details of the incident. We will then notify the insurance company, who will appoint legal experts to manage the claim on your behalf.