What is Public Liability Insurance?
Public liability insurance is a must for anybody who comes into contact with members of the public as part of their business. It helps to cover your costs if you have to pay compensation and/or legal costs as a result of injury to a member of the public, or damage or loss to their property, including the death of an individual. Compensation can be paid for any loss of earnings – now and in the future – and damages awarded to the claimant.
Who might need Public Liability Insurance?
There are many circumstances in which public liability insurance is appropriate, and you should consider this if your business:
• Comes into direct contact with members of the public
• Organises or promotes events
• Invites members of the public into your home as part of your business
This list is not exhaustive. If you’re unsure as to whether this cover would benefit your business or if it is necessary, then please contact Bollington to discuss your options.
You may be asked for evidence of your public liability insurance before work is placed with you – local authorities in particular will wish to see this.
What should you look for?
We appreciate that businesses vary greatly in size, from sole traders through to multi-site operations. Bollington considers the size and type of business, the number of employees you have, your business’ turnover, and whether you have had any previous liability claims – amongst other things – in order to tailor your public liability insurance quote.
As we understand the nature of this sector we ensure all our policies include cover for abuse.
The advantage of using an insurance broker to arrange your cover is that we take the time to assess your needs and offer the right level of insurance cover to give your business adequate protection.
How do I arrange Public Liability Insurance cover?
Bollington is an award-winning independent insurance broker with wide-ranging experience of providing public liability insurance. It’s easy to arrange cover with us. Simply:
• Call us on 01625 348029 for immediate assistance
• Arrange a call back – and a member of our friendly team will give you a call at a time to suit you