Because Accidents Happen…

Public Liability Insurance Through Coversure

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Public Liability Insurance

No matter how carefully you go about your business, accidents happen. People can be hurt and property can be damaged. When this happens, you’ll be glad you have public liability insurance in place as it will protect your business from compensation claims brought against it. These claims can easily run into several thousands of pounds making the modest premiums for cover money well spent.

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What Is Public Liability Insurance?

Put simply, public liability insurance is a policy that protects your business from financial loss should someone be injured or their property damaged owing to your business’s activities. Claims can arise from a number of incidents such as:

  • Someone tripping on a stray cable while visiting your office
  • Knocking a pedestrian or cyclist down while driving on business
  • A tool falling from a scaffold and striking a member of the public’s car
  • Accidentally damaging someone’s property while making a delivery
  • Causing damage to a neighbouring property during building work
  • Destroying a fence while felling a tree

These are just some of the common causes of the thousands of liability cases that are brought each year in the UK. The total number of such claims has risen sharply over the past few years as the compensation culture continues its remorseless advance, meaning making sure you have adequate protection in place is increasingly seen as being business critical.

Which Businesses Need Cover?

In the increasingly litigious world in which businesses operate, the short answer to this is pretty much all businesses do. The following types should definitely consider taking out cover;

  • Businesses working in offices where clients/members of the public visit them
  • Builders
  • Publicans
  • Landlords – especially those with public or communal areas
  • Landscape gardeners and tree surgeons
  • Scaffolders and roofers
  • Shop owners
  • Café, takeaway and restaurant owners
  • Couriers, delivery drivers and businesses with company vehicles
  • Taxi drivers and chauffeurs

To find out if your business would benefit from cover, please contact your local Coversure office and they’ll be happy to give you some independent advice.

What Does Public Liability Cover?

The exact extent of your cover will depend on the nature of your business and the risks it faces. However, a typical policy will cover your business against things such as;

  • Compensation payments for third-party injury
  • Repair or replacement costs for damaged property or possessions
  • Medical fees should the NHS decide to claim for treatment expenses
  • Legal expenses to help you defend yourself against any claims in court

What Level of Cover Should I Have?

There’s no one-size-fits all answer to this question – it will depend on factors such as the size of your enterprise, the nature of its operations, its level of exposure to the public and even who you work for. If your business is involved with working in the public sector, for example – be that for charities, local or central government – then there are often requirements for minimum cover levels of £5-£10m. For most small businesses, however, we’d recommend cover starting at £1m.

Is This the Only Liability Cover My Business Needs?

Not necessarily, no. There are a wide range of liability covers on the market – we have listed the main ones out below – which can help protect businesses from a number of risks depending on what they do;

  • Product liability – protection should a product you make, use or recommend cause damage
  • Professional indemnity – should the advice you give cost your clients money or cause reputational damage
  • Contractors’ indemnity - designed to protect those working in construction
  • Directors’ and officers’ (D&O) – this gives businesses the security that should their key people become involved in legal disputes then they will be insured against financial loss
  • Employers’ liability – protects employers and employees from harm or loss that occurs during the course of their work

Of these policies the most important is employers’ liability insurance. Why is this so important? Because if you have any employees – be they full-time or part-time – then having this cover in place is a legal requirement. It protects both you and your staff by providing compensation should they bring claims against you for injury or loss while work at work. You can read more about employers’ liability insurance on our blog here.

What to Look for in a Public Liability Policy

Getting the right liability cover is really important - it could even be the difference between your business’s survival or failure should a large claim prove successful. In terms of giving you advice as to what’s right for your business, the best advice is to get some independent advice from your local Coversure office. They’ll take the time to get to know your business’s risks and then recommend a policy that will give you the security you need. When you do speak to them, be sure to let them know the following details:

  • Whether you have any employees
  • Who you work for and whether they have any specified liability minimums
  • What sort of work do you do and if you have any special working environments – above 10 metres in height or at sea, for example

Why Choose Coversure? Over 97% Customer Satisfaction Score

With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.

*Ratings based on Coversure's 2016 Customer Survey.

Like Some More Help?

Coversure's offices have years of experience in providing great value liability insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.

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