Public Liability Insurance

Public Liability Insurance

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Public Liability Insurance

We all think the worst will never happen to us but in reality accidents happen and that can mean large compensation claims made against your Company.

What is public liability insurance?

If your business deals with people face to face and a customer or member of the public has an accident and is injured in your workplace, then public liability Insurance policy can protect your business against a claim and legal costs.

It can also protect you and your employees if any damage is caused to  a customers’ property on your premises or theirs giving you peace of mind to run your business.

You can take out cover on a stand alone basis or bundle it together with employers’ liability insurance to provide extra protection.

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Special Deal: Selected Public Liability Insurance

AXA are currently offering for small companies with less than 8 employees and a turnover below £500k for companies based in Great Britain (excludes Northern Ireland) a 10% discount when you buy online.

Public Liability
Special Features

Protect your business against accidental injury and property damage claims made by your customers, members of the public or people you visit with public liability insurance.

Employer Liability
Professional Indemnity

Get a 10% Discount When You Buy online!*

(Terms apply: No more than 8 employees; Annual turnover is less than £500k; Business must be based in Great Britain)

What does public liability insurance cover?

Provides peace of mind that if workplace incidents happen your business is covered typically up to £5m of compensation payments including the associated legal defence costs. Policies will differ from provide to provider.

To get a range of public liability insurance quotes from across the market click here

How much does public liability insurance cost?

This will depend on factors such as the industry your business is in, what your business does and where you are based.

Does my business need public liability insurance?

Public liability insurance is not a legal requirement, however you business partners or the membership bodies you belong to may require you to have it. If you are running an event then event public liability insurance is recommended to protect against unforeseen factors which could cause financial damage.

Example of public liability insurance

Case study:

A self employed plumber got himself into hot water after he was contracted to fit a new bathroom.

A plastic push fitting he had installed failed, causing water to leak through the property for around 12 hours, affecting neighbouring houses as well.

In this case the claim was settled for £160,000, of which the self employed plumber only paid £500.

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