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Entries close 31 March 2021.
This vital cover is designed to protect your business in the event of a claim for an injury or damage to property by anyone visiting your premises.
Public liability insurance covers legal fees and compensation that become due as a result of a customer or member of the public making a claim for an injury resulting from an accident or damage to property occurring.
A duty of care
Almost every business will need some form of public liability insurance cover. Accidents can happen – and without adequate insurance, can be extremely costly. Anyone who visits your premises and suffers an injury or loss as a result of your business can claim compensation.
If a customer or member of the public makes a claim against your business for compensation, public liability insurance is designed to cover the legal fees as well as any compensation payment awarded. Even if your deemed not to be at fault, the costs can be significant.
Unlike employers’ liability insurance, it’s not a legal requirement to have public liability insurance. However, as a business owner, you have a duty of care to anyone visiting your premises. And the cost of not being properly insured if an accident occurs could financially ruin your company – and your reputation.
Public Liability Insurance provides cover for: