What is public liability insurance?
Public Liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property.
Although public liability insurance is only compulsory in a handful of industries and professions, it makes sense that every business has cover. Even if your business is purely clerical there is always the chance of a claim: the man reading your electricity meter trips on your doorstep…
The cover is normally restricted to the activities of the business declared to the insurer: a plumber will not be covered to carry out work as a roofer if not declared.
Premiums of high risk businesses/trades can be reduced by demonstrating to the underwriter that you have procedures in place to minimise the risk with good health & safety and risk management.
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