Public Liability Insurance
Competitive Cover From Your Local Independent Business Insurance Brokers
Need competitive, high-quality public liability insurance? Let Trisure Insurance Services compare our markets to find you great value cover. Our friendly team of independent specialists can do the shopping around for you and find you the right cover at the right price. Get your free, no-obligation public liability insurance quote or call (01733) 777799.
What is Public Liability Insurance?
Public liability insurance, PL insurance as it’s sometimes known, protects you from financial loss should someone be injured or their property damaged owing to your business’s activities. Claims can arise for several reasons, such as:
- Someone tripping on a cable while visiting your business
- A tool falling from a scaffold and striking a member of the public’s car
- Accidentally damaging someone’s property while making a delivery
- Damaging a neighbouring property during building work
- Destroying a fence while felling a tree
- A customer is injured by something falling from a shelf in your shop
These are just some causes of the thousands of public liability cases brought annually in the UK. According to Aviva, the number of these claims has risen sharply over the past few years, meaning ensuring that your business has sufficient public liability protection in place is important.
If you’d like to know more or want a free, no-obligation public liability insurance quote, call us on (01733) 777799.
Who Needs Public Liability Insurance?
If your business brings you into contact with members of the public, then having a PL policy in place makes a lot of sense. While it’s not a legal requirement, some employers – local authorities, charities, and developers, for example – may make having it a contractual requirement. The following offers an indicative list of the kinds of professions that would benefit from having cover:
- Office-based business where clients/members of the public visit them
- Tradespeople and builders
- People who work at events, fairs, or markets
- Publicans
- Landlords – especially those with public or communal areas such as entrance halls in flats
- Landscape gardeners and tree surgeons
- Scaffolders and roofers
- Shop owners
- Café, takeaway, and restaurant owners
- Couriers, delivery drivers, and businesses with company vehicles
- Taxi drivers and chauffeurs
If you’d like to know more or would like a free, no-obligation public liability insurance quote, call us on (01733) 777799.
What Does Public Liability Cover?
Depending on what you choose to include in your policy, you can be insured against the following:
- Compensation claims – if a person is injured or their property is damaged by your business, and they decide to sue. If their claim is successful, you could be required to compensate them financially. If your business’s activities caused the accident, you’d be liable regardless of whether it took place on your premises, theirs, or at another location
- Cost of repairs – if someone’s property has been damaged because of your business’s activities – a garden wall has been demolished while you were doing some landscape gardening, for example – public liability insurance will cover the cost of repairing it
- Legal expenses – helps cover the cost of any legal fees you have to pay during a hearing
- Medical fees – in the event of injury, reasonable medical expenses for rehabilitation and recovery costs will be covered
What Level Of Cover Do You Need?
This will depend on factors such as:
- The size of your business
- The type of work it does – a scaffolder working mainly on buildings in town centres is likely to need higher levels than a shop owner, for example
- The size of the contracts your work on
- Who you do work for
- Where you work
- Your claims history
If you work in the public sector – for charities, local or central government – there are often requirements for public liability insurance levels of up to £10m. If you’d like some free, independent public liability insurance advice, please call Trisure on (01733) 777799. Our friendly team of independent specialists will happily give you all the help you need. When you speak to us, please tell us the following:
- Whether you have any employees
- Who do you work for, and whether they have any specified liability minimums
- What sort of work do you do, and if you have any particular working environments – above 10 metres in height or at sea, for example
Public Liability Insurance FAQ
This is a complex cover area, so to help you get the protection you need, here is our public liability insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, then please call us on (01733) 777799.
- Accidents or injuries which happen to you
- Damage to your property
- Accidents that affect your employees or their possessions – that’s covered by employers’ liability insurance
Get A Public Liability Insurance Quote
If you’d like a competitive public liability insurance quote, call Trisure on (01733) 777799 or click here to start your quote. Our team of specialists will search our markets to find you the right policy at the right price to keep your business protected.