Public Liability Insurance
As soon as a customer enters your property, there are several rules and regulations that come into force. If any damage or accidents occur on your premises or whilst you are providing your service, you could find yourself, and your business, at the centre of a claim. Most businesses would struggle to pay the hefty liability costs and still survive if they found themselves liable for the injury or property damage of a customer or member of the public. However, with the right level of public liability cover in place with The Insurance Octopus, you can ensure that you’re prepared if you ever find yourself in that situation.
For a public liability insurance quote, simply fill in our form, request a call back, and then we’ll be in touch to discuss your options. We know that business needs frequently change, which is why we let our customers make mid-term adjustments with no additional administration fees, ever.
What can be included in public liability insurance?
Compensation & Repairs
Our policy provides cover for compensation claims that occur when a third party suffers an injury or property damage, as well as costs to repair any damaged items or property that have been caused by your work.
We can provide cover for medical expenses, legal expenses – such as court and solicitor fees – and other reasonable costs as a result of the accident.
Work Away Cover
If you work away to provide the services that you offer, we can provide you with Work Away Cover. This offers protection when you visit the homes or business premises of your clients.
Personalised Levels Of Cover, Exceeding £10m
Our policy covers are available from £1m to £10m, and higher amounts are available upon request. Having this cover in place is essential for any business that physically interacts with customers, and we can help to provide a bespoke package that meets your needs.
What is public liability insurance?
Tailored insurance cover for when a customer or member of the public suffers a loss or injury because of your business
Public liability insurance covers your business in situations whereby a customer or member of the public has suffered property damage or personal injury because of your business. When potential customers enter your property a number of regulations and legislation’s apply. If damage or an accident were to occur while on your premises or while providing your service, a third party could potentially make a claim against your business.
These costs can of course be devastating for most businesses, meaning Public Liability cover can help protect and ensure your business remains open should a bad situation occur. If a customer were to fall and injure themselves on your premises, could your business readily afford to pay out for such a claim? Most businesses would struggle in such circumstances which is why having adequate public liability insurance with the right level of cover should therefore be at the top of your priority list as a business owner or manager. We are also able to provide cover if you Work Away, meaning you visit your client’s homes or business premises.
What public liability insurance will cover
As an FCA approved insurance broker our Public liability policies would typically provide cover for:
- Compensation claims leading from an incident whereby a third party has suffered injury or property damage, at your business premises or a customer’s premises.
- Repairing damage caused as a consequence of your work. But not damage to the piece of work you were working on.
- Medical expenses.
- Legal expenses such as Court and Solicitor’s costs.
- Other expenses due to the incident that are deemed as reasonable.
- It won’t however cover you for deliberate acts that cause damage.
Policy covers are available from, £1m, £2m, £5m and £10m, with higher amounts also available upon request. If your business regularly interacts with customers, especially in a physical sense, for example not online, then having PL cover in place should be essential.
Compare quotes for public liability cover
As a broker we provide cover to thousands of different trade types, and because we’re an independent broker we can search the market and compare quotes from a wide range of UK insurers.
Public liability insurance while not a legal requirement is a crucial core cover for all types businesses.
Hassle free public liability cover
You may find the process of obtaining quotes from numerous providers to be a lengthy and troublesome process, but it doesn’t have to be. We can often provide you with your business insurance and documents on a same day basis and we offer a great range of flexible payment options. So compare online or speak to one of our team members today for a quote.
Add on covers available
We aim to make buying insurance quick and easy, with a focus on understanding your business in order for us to tailor the cover to your individual needs and requirements. When considering the types and levels of cover your business needs, an Insurance Octopus insurance specialists will discuss your business requirements with you and consider additional add on covers that could help protect your business.
Public Liability Insurance FAQs
How much does public liability insurance cost?
The cost of public liability insurance can vary depending on your requirements for cover, including the level of cover you need for your particular workplace. A business should consider the services it provides to third parties and customers as well as the number and severity of potential accidents that could occur based on your occupation. We can provide a tailored quote that is the ideal fit for your business.
What limit of cover should I choose?
The limit of cover you choose for public liability insurance on your business is entirely dependent on how much protection you feel you need against incidents. For a business where third parties or customers are actively within the workplace at all times, then a higher limit of cover should be considered. For businesses that rarely interact with third parties and pose less risk, a lower limit could be a better fit.
What kind of claims does public liability insurance cover against?
If a member of the public suffers damage to their property or injury to their person due to your businesses carelessness, they can claim against you. Public liability insurance protects you against these legal costs, compensation and additional fees that may be incurred by covering your business should an accident or damage occur within your property to a third party. This also applies for third parties harmed when using your services.
Why choose us for Public Liability Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability insurance for your business. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We’ll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How public liability insurance works
Examples of Public Liability Insurance in action
A £150,000 mistake
A plumber is called to fit a new bathroom in a couple’s home and completes the work as directed. Unfortunately, during the installation he causes a leak which leads to water spreading through the whole property undetected for many hours. Not only that but it also affects the surrounding houses too! A claim for £150,000 was made against him for damages caused to the properties which his Public Liability Insurance of £2 million covered.
Get Public Liability insurance off your to do list
Help protect and grow your business with tailor made Public Liability insurance from The Insurance Octopus
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