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  1. Public liability insurance covers the cost of compensation for personal injuries, loss of or damage to property and even death, making it a very useful type of insurance to have in place.

What is public liability insurance for?

Public liability insurance can appear confusing; however, it is mainly put in place to cover you for the cost of claims made by members of the public for incidents that occur in connection with your business.

Policies can differ depending upon which insurer you use; however, most public liability policies cover you for incidents that occur on your business premises. They will also cover you for incidents that take place off-site, at events or activities organised by your company, so there is no need to worry if something a little different pops up.

Why is public liability insurance necessary?

Public liability insurance is specifically made for business owners with their own business premises that allows members of the public or customers to visit. You also need to consider taking out this type of insurance cover if your business organises activities or events away from your business premises that involves members of the public attending. Additionally, if you run a business from your home, not a business premises, then you might not think you need this type of cover, however, if your home run business involves people visiting your home under professional circumstances then this type of cover is required.

Who is protected?

Public liability insurance offers cover for almost anyone; from people who you interact with as part of your business, such as people visiting your business address, customers or clients, to people who take part in activities or events organised by your business as well as the people watching those events or activities. However, this type of insurance excludes employees.

On the other hand, there are only a few types of people that public liability insurance does not cover, such as employees, temporary staff, students or people on work placements - however these can protected under employers’ liability insurance.

For more advice on our public liability policies and how to get on cover, call 01625 562389 and one of our expert advisers will be happy to help.