Public liability INSURANCE
Why do you need public liability insurance?
Public liability insurance provides protection against your legal liability to third parties, following injury or property damage caused in the course of your business. Cover extends to both defence costs and awards.
- Protect your business
If you are found liable for injury or damage, the damages awarded could cause severe financial hardship.
- Protect yourself
Whether a slip or trip, inadvertently damaging another person’s property, or causing injury in some other way, Public liability insurance offers valuable protection.
- Excess costs
Whether you feel you are at fault or not, defending against a claim can still be expensive. Public liability insurance can help to cover the costs.
How our liability insurance experts can help
Whether arranged as part of a commercial combined insurance solution or placed in isolation, we have experience in arranging this cover for companies across most industries and of different sizes.
We can advise you on the level of cover you may need within the appropriate insurance package for you.
CONTACT YOUR NEAREST PUBLIC LIABILITY INSURANCE EXPERT
We have expert advisers all over the UK. To find help near you, input your full postcode below.
We joined forces with Clark Thomson in 2018 and became both Scotland and the UK’s leading community broker and client advisory business. Working together we will continue our journey to build and shape an exceptional business for our colleagues, clients and communities.
Public liability insurance
Public liability insurance covers compensation payments and legal fees if you are found to be responsible for injuries to any third party or damage to their property. The person injured could be a client or customer, one of your suppliers, or just a passer-by.
Public liability covers you for your legal liability following accidents like:
- Slipping on a wet floor
- Spilling coffee on a client’s phone or computer
- Tripping over loose carpet
- Tripping over exposed wiring or cables
Public liability insurances tend to be available with cover limits from £2m upwards. In the event that you require limits of £10m or more, it is essential that you receive the right advice from experienced and qualified advisors.
Products Liability Insurance
Products liability covers you in the event that someone is harmed, or property is damaged due to products that are sold or supplied by you. Inefficacy insurance can also be included within this to provide cover for any loss or damage to property caused by a product not working the way it should.
What our clients say
Nia is always so helpful and friendly, and always on the end of the phone when I need advice.
The service I have received has been fantastic. James has shown focused due diligence and I believe in my capacity as a Director that he has secured the best possible terms for us.
Frequently Asked Questions
The latest liability insurance articles
If you’re a director, officer or senior manager, you’re exposed to legal actions against the company and/or yourself personally. How can you protect your business and personal assets?
If you don’t have permanent staff with the skills you need, you might look to gig economy workers to support your business. If you are, you need to understand their changing legal rights.