Public Liability Insurance
Whilst Public Liability cover is not a legal requirement in the UK, we strongly recommend that you consider the importance of this cover and how it can protect you and your business. Public Liability protects and compensates for; damage to property, injury and death to any member of the the general public. So whether you visit a client’s premises or home or have the general public visit you, you are exposed to a potential public liability claim.
You could also extend cover to include; products liability for the products that are manufactured, employers liability to protect your team, working at heights or depths, use of heat and working on dangerous locations. Such as, airports, railways and offshore locations.
With cover starting from £50 per year, you need to consider whether this is protection your business can afford not to have?
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Public liability insurance covers the cost of legal action and compensation claims made against your business if a third party is injured or their property suffers damage whilst at your business premises or when you are working in their home, office or business property.
The amount of cover that your business will require in this area largely depends on the level of risk that it undertakes on a daily basis. You will probably find that there are accepted minimum standards for the particular industry you operate in, and there may be requirements specified by your clients in this area. Before making a decision on how much cover to buy, you should always check out both of the above In particular, if working on a government or local authority contract you will usually find that they stipulate a minimum level of cover in this area and it’s common for this to be between £5 -£10 million.
A plumber was working on a residential property situated in a block of flats. The plumber made an error and failed to fit taps correctly during the repairs. As a result, the error caused water damage at the flat which also extended to some of the properties below.
What did the insurance company pay for? The insurance company in this circumstance paid for corrective repairs to the damage caused under the public liability section of the policy, costing a total of £20,000.
What did the insurance company not cover? The plumber had to pay the excess of £250 in order to facilitate the claim.