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If you are running your own small business, it is vital that you cover your back with a good public liability insurance policy.
Public Liability Insurance (PL) covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.
Business Public Liability Insurance
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Special Features
Public Liability
Up to £10 million
Employer Liability
Up to £10 million
Professional Indemnity
Up To £2 million standard cover
Small Business Liability Insurance
Small businesses require liability insurance in a number of areas. The first is employer liability insurance that, with some exceptions, is required for every business with the UK. If your small business only employs a single person or it is a non-limited company that only employees members of your family then employer liability insurance is not required.
Professional liability insurance and public liability insurance may also be required depending on what type of business you run. Click through the preceding links for more information. Some businesses are required to have one or the other due to their profession e.g. lawyers are required to have professional liability insurance.
Failing to obtain the right insurance for your business can lead to fines from government authorities or, worse, a compensation claim that your business is unable to handle.
To find the right liability insurance for your small business, use the free comparison table – get quotes and apply online today: