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A Public Liability Insurance policy covers you for claims of damages made against you or your business by a member of the public due to an injury, death or damage to their property. It can also cover any subsequent related costs and expenses such as legal fees or hospital treatment. Get a great value Insurance quote today!

What is public liability insurance policy?

Public liability insurance is an important type of insurance coverage available either on a stand-alone basis or included in business insurance policies. Public liability policies enable you to stay protected if you’re found to be legally responsible in third-party personal injury or property damage cases.

For example, a public liability policy will protect you if a customer falls and injures themselves in your place of business. It will also provide protection if you accidentally damage third-party property as part of your normal business activities. It doesn’t matter what type of business you operate, it’s always important to ensure adequate levels of public liability coverage.

Cover for all business and trades

With a friendly and knowledgeable sales team, we will make sure that you can make an informed choice and explore all the options available to you. We can advise on the best level and type of cover, for any business which has contact with customers, including:

  • Plumbers, Couriers, Hauliers, Taxis, Electricians
  • Cleaners, Caterers, Window Cleaners, Builders
  • Shop Owners, Offices, Carpenters, Road Maintenance Workers
  • Gas/Heating Engineers, Restaurants, Pubs
  • Any self-employed occupation (if you have any contact with customers)

Premiums for your Public Liability Insurance policy depend on a number of factors such as the type of work, sales turnover, number of employees, whether you work away from your premises as well as your previous claims history and what level of cover is required. Public liability claims could put you out of business if you do not have adequate insurance in place as you could be liable to pay the full amount of compensation required to settle any claim.

To get competitive public liability quotes from our panel of insurers, we’ll ask you a series of quick questions about the cover you require and then offer you the right policy at the right price. We’ll also explain any optional or extra costs to you to ensure you have all the facts before taking out cover.

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Who needs public liability insurance policy?

Public liability is one of the most basic levels of protection available, with all businesses operating in the UK advised to take out a business public liability insurance contract. Whether you’re operating a small car repair business from your residence or a large factory that employs hundreds of people, public liability cover is an essential part of running a modern business. Different levels of coverage are available, with a public liability insurance quote working with the minimum standards applicable for your particular industry.

Public liability coverage will typically include the cost of legal action made against your business, the cost of medical equipment and treatment used by third-parties as a result of an accident, and any compensation claims made as a result of loss or damage to people or property.

While public liability insurance UK is not a legal requirement in the same way as employers liability insurance, it is recommended for all businesses who work with members of the general public. In order to research public liability insurance online, it’s important to compare different business products along with their coverage options and related services.

Benefits of a public liability insurance policy

Access to a liability insurance policy is an integral part of running a modern business in the UK. This type of coverage allows you to ensure the financial protection of your business and the interests of your clients and members of the general public. While public liability insurance is typically included in business insurance contracts, it’s important to speak with an insurance advisor and make sure you’re getting the coverage that your business deserves.

Public liability is a critical aspect of corporate responsibility in the modern world, with a lack of coverage possibly leading to legal problems, lower share prices, and a damaged reputation. If you need a public liability insurance quote, please pick up the phone and give us a call at 1st Choice Insurance.

Get a quote today!

We offer a fantastic service, flexible payment options, documentation via email and instant cover. Let us take care of searching the panel of insurers for you to find your perfect policy, and save yourself time and money! If you’re looking for a reliable policy, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.