Public Liability Insurance

public liability insurance policy will cover a persons or businesses legal liability to pay damages in the
event of a third party (member of the public) sustaining bodily injury, death or damage to their property or
person as a result of you business activities.

The public liability policy is designed to cover the legal cost to
defend an allegation against your business and should you then be found neglectful, any

damages awarded up to the level of indemnity you purchase.

There are many ways that a professional business or tradesman could need to call on their public liability
insurance policy
:

  • Death or injury to another person whilst at work
  • Damage to other people’s property
  • Obstruction, nuisance, trespass, right of way, interference with air, light or water.
In the main, the public liability policy for to help the business (either a sole-trader or a company) defend itself against any allegations or wrongdoings to a third party and, in the event that it is proved that the business was indeed negligent, and had either injured or caused damage to another, the public liability insurance would pay damages awarded up to the level of the cover chosen. Most public liability policies start from a minimum of £1,000,000 but it would not be uncommon for a business to have £5,000,000 cover, particularly if the company is working on larger projects.The public liability insurance policy can be extended from the basic type of covers offered to also include:

  • Health & Safety at work
  • Legal defence costs
  • Motor Contingent Liability
  • Movement of obstructing vehicles
  • Bona-Fide Subcontractors

It is also advisable for a business to have professional indemnity insurance (indeed for many professions, this is a legal requirement). A professional indemnity insurance policy may cover you for areas such as libel and slander, professional neglect, malicious falsehood, passing off copyrights, breach of confidentiality, and negligent statement or actions.

It is also a very good idea for a tradesman or building contractor to have a Contractors All Risk policy. This would cover the tradesman for mistakes on the client’s own goods being worked on and also things like materials on site etc. This type of policy can be bought as a package to include Public Liability and other types of risks that a tradesman faces in the day to day running of their business.

Thank you for your enquiry for Public Liability Insurance. Please bear in mind that the information you send is confidential and will only be used for the purpose of obtaining quotes from the insurance market. If you have any further questions regarding your Public Liability Insurancerequirements please call our brokering team on 01323 648000

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