Public liability insurance is designed to protect you against injury or property damage claims brought against you by members of the public. If you or a member of staff injure a non-employee or damage their property, you could be held liable and be ordered to pay compensation by a court.
Public liability insurance protects you against the legal fees and obligation to pay for damage or injury that was caused.
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Most public liability insurance policies provide cover for the following:
If you own a business that members of the public or clients visit, you and your employees are at risk of causing damage or injury to a third-party or their property. Even something as innocuous as a client tripping over a desk could result in a large legal claim being brought against your business. Unfortunately, due to the popularity of ‘no win, no fee’ services, public liability claims are on the rise and more and more claims are being brought against companies that are not actually guilty.
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