Public liability insurance: No business should be without it.

Public Liability Insurance Quote:

Public liability insurance is designed to protect your business should it face legal action as a result of any injury or illness sustained by a member of the public, a customer or a client.

Even though, for most businesses, it isn’t actually a legal requirement (unlike employers’ liability insurance which all employers are obliged by law to hold) almost any business would be running a very serious risk in operating without public liability insurance.

Imagine, for example, you run a shop. All it would take is for someone to enter your premises and slip on a wet floor and you could find yourself being sued. Alternatively if you run a restaurant, or indeed your business provides any kind of food, and a customer suffers food poisoning, the same thing could happen. Even if you operate entirely from office premises, all it need take is for a client to visit you and trip over a carelessly draped cable and, again, a lawsuit with your name on it could very quickly materialise.

Remember too that in this day and age people are being encouraged through just about every advertising medium to launch an apparently cost-free legal action on the smallest of pretexts. It sometimes seems that there’s no such thing as an accident anymore – there always someone to blame. And that means someone to sue.

Public liability insurance will provide the protection your business needs in the event that legal action is taken against you in such circumstances. You will be fully covered for the total amount of any claim awarded against you and for all the associated legal expenses up to the limit of the policy.

And on this site we’ve made it as simple as we can for you to set up your public liability insurance cover at the most competitive rates. Simply click on the button and receive a quote within seconds.

Public Liability Insurance Articles

Snowy weather raises Public Liability Insurance question … again

Along with the snow comes the vexed question of whether or not you should clear the white stuff from the pavement outside your home. In some countries there’s a legal obligation to do so but in the UK we’ve always been somewhat more reluctant. And often that reluctance is down to concerns about what will happen if, having cleared the snow, it then freezes over, a passer-by slips over and suffers an injury, and a lawsuit for damages duly follows. Most people don’t have the necessary public liability insurance to cover that eventuality.

In an article posted on dailymail.co.uk, the current state of affairs is examined. And it’s a confusing one. In 2004, Labour’s then transport spokesman in the Lords said that householders could indeed be sued if pedestrians slipped on a pavement from which they had cleared the snow. But in 2010, the present Government issued a ‘snow code’ which suggested people shouldn’t take any notice of the “you’ll get sued” stories, implying there was no need for specific public liability insurance. However, the small print is hedged with provisos – “unlikely you’ll be sued” provided you’ve “cleared the path carefully”.

In other words, it seems that clearing the snow from the pavement outside your home could still be a risky undertaking without public liability insurance.