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Public Liability Insurance

Public liability insurance provides you with coverage for liabilities to clients and other members of the public in the event that you are found at fault for damage to their property or some manner of injury to their person. If your business requires that you go onto property belonging to customers or that they visit your office or home, it is important that you look into a public liability policy. This is because you are held responsible for the actions made by your employees, including yourself, that affect customers and the public.

Who Can Get Public Liability Coverage

Public liability insurance can be obtained in the UK by people who are self employed, by businesses, and by organisations that provide goods or services that are not commercial. The coverage of this variety of insurance legally protects many kinds of business ventures. This includes public business as well as businesses run from the home, shopping centres, event centres, those who are self-employed, and more. However, depending on what kind of business you have, you may not be legally obligated to purchase a public liability policy. It is important to know the requirements of your business type to ensure that you have the coverage that you will need.

Do You Need a Public Liability Policy?

Whether you need this kind of protection or not depends on what kind of business you have. While you might not think that one of your customers – or other people in general – would file a claim against your business, it is important to provide for this situation. If your business has any hazards that could affect the public, from falling roofing tiles to slipping on a piece of plumbing, you should seriously consider buying a policy. If you are not covered by a public liability policy, you might find yourself unable to pay in the event of legal difficulties. The costs that go with defending yourself when someone files a claim against you or paying for that claim if you happen to be ruled against in court are not insignificant. If you have public liability insurance, however, and someone files a claim against you, the policy will pay for expenses associated with that claim, including solicitors’ fees, court costs, and any damages that are awarded to the claimant.

What Kind of Policies are Available?

There are many varieties of public liability policies that are made to cover any number of businesses types. The premiums that you will have to pay depend on a few considerations. This includes the size of your business, the area your business is located in, what kind of service or goods you provide, and how many employees you have working for you. For instance, if you have an office with only a few employees and work as a clothing designer, your insurance costs would typically be far less than a business which has dozens of employees working with dangerous chemicals or walking around on rooftops to replace tiles.

Duty of Care and Liability

Liability can sometimes come up as a result of ‘strict liability’ – a type of liability that is a legal requirement or is stipulated in a contract. Liability can also come up if a business violates its ‘duty of care’, which clients are entitled to. Sometimes an injury does not refer to a method of physical harm. Injury includes harm that comes to a person from an accident, but it also refers to situations such as defamation via slander or libel, humiliation, or psychological trauma. When filing a claim against a business, the person who was injured has to first provide proof that the business had a ‘duty of care’, then they must prove that this was violated and harm was caused by a violation of the duty.

What a Public Liability Policy Covers

Public liability insurance protects you against the costs of filed claims if a customer is injured accidentally or your employees or you injure someone during the course of your work. It covers damage to property belonging to others, as well, if this damage occurs while business activities are being performed, such as dropping a roofing tile onto someone’s car below, a ladder slipping and hitting someone’s picture window, or mis-wiring a fuse box and causing circuits to burn out. Public liability coverage provides for the costs of not only the damages themselves, but these policies also cover legal problems that could arise because of them. Keep in mind, however, that public liability policies only cover claims that are made by customers or other members of the public – not claims that your employees might file. Claims filed by your employees must be covered by employer’s liability insurance.

How Much Coverage is Required?

Before you can figure out how much a policy will cost, you will need to consider your business type and risks. Your typical small business should purchase £1 million of insurance coverage. However, larger businesses and some special circumstances could require you to obtain an insurance policy anywhere between £5 million and £10 million. Your contract with the client could specify this, hazardous materials could force you to obtain this much insurance, or the size of your business and number of employees. Don’t allow those large numbers to frighten you, though. Public liability coverage is actually quite cheap. These days, you can easily obtain what is the best way to keep your business and yourself protected from claims. You can find and compare providers online. If you are looking for a quote, you can obtain one online far easier than searching for a local company offering public liability.