Public liability insurance is an essential cover for most types of business.Whether the business you own or run is small or large, you need public liability cover.
It will protect your business against claims for damage or injury caused to an individual or to property whilst on your business premises. You will not be covered by public liability cover if an accident happens to you, your property or someone who you employ.
£1 – 10M Public Liability
Temporary Employees Covered
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Public liability cover will protect you in the event that a customer or third party claims for compensation against you due to injury or damage to a person or property whilst on your premises or as a direct result of your activities as a business.
For example, a customer walks into your shop, trips over a cable and breaks their ankle. The injured customer is now in a position where they can sue your shop because their injury was caused as a direct result of your activities as a business and or negligence by an employee.
Having good public liability cover ensures that NHS medical costs, compensation payments and any legal fees related to the claim will be covered by your insurance company. Without public liability cover you could have to pay out on the whole claim which could have a negative effect on a small business.
Most insurers will offer cover starting from £1 million. If you are operating as a business in an industry which is deemed by insurers to be of higher risk then you may require more cover. Public liability cover for small to medium enterprises quite often has a limit of £10 million. Choosing your limit is very important as being under-insured can sometimes be as bad as not having any insurance at all.
You can do everything right as a business, but even then the chance of a customer having an accident is always there and you need to be protected.
Trident insurance will make sure you get the right cover for your business. This way you can operate, as a business, with peace of mind knowing that you will be protected should a customer need to file a claim against you.