What is Public Liability Insurance?

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Is it compulsory?

Public liability insurance is not a legal requirement for some businesses, however it is something that businesses should consider essential if members of the public will be interacting with the business in any way. You may be surprised to know that even home based businesses should consider this type of insurance if your home office is also used as a meeting place.

What does public liability insurance cover?

Public liability insurance covers a wide range of things however its main purpose is to protect your business if someone is injured in some way as a result of your business or damage third party property when carrying out work. It is worth noting that even a small scratch to someone’s personal property could result in you paying a hefty amount if you do not have this type of policy.

When taking out public liability insurance, you need to tell your insurer what type of business you operate.  This is so we can get the best type of policy that suits you and your business. Public liability cover ranges from £1million to £5million.

Don’t assume that because you run a small business, or because you don’t make many deliveries that you do not need public liability insurance. Something as simple as a coffee spill over a client’s computer, or a loose nail causing a customer to trip while visiting your office, could cost you thousands if you’re uninsured.

If you have any quires on this call Insure Courier today on 0332 202 3172

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