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Public Liability Insurance is compulsory in the UK for any business or individual working on either their own or third party properties. This kind of insurance protects the company or individual in the unfortunate event that they cause bodily injury to a member of the public either on their own premises or when working on a third party’s premises.
Examples that could occur are perhaps a member of the public could slip up on your wet floor or they may trip over that computer wire that wasn’t covered but just left loose. If that member of the public sustains an injury they will look to the owner or occupier of the premises for financial recompense and they may employ the services of a costly Solicitor to handle this on their behalf. Without the correct Public Liability cover in place the owner or occupier may then have to close their business due to a large legal bill and compensation award.
The local Authorities or Councils may insist on the minimum level of cover that you must have in place such as £5m. This may well be the normal amount that they require for anyone working on or around their premises. Many Building contractors, or sites managers, will no longer allow tradesmen or tradeswomen onto their sites without seeing first hand proof of your original Public Liability Insurance Certificate.
Just Quote Me can provide this online in a matter of minutes so that there is no delay in starting that all important contract.
Public Liability Insurance protects the Insured from both the legal costs and any potential financial awards made by any legal action brought against them. This cover therefore enables the Insured to continue with their business as the potential financial loss is covered by their Insurers.
Be careful to inform your Insurers of all of your business activities though as the protection will only cover the business activities stated in the policy schedule so if, for instance, you work at a height then tell them to get the maximum height noted by endorsement. Similarly, if you work with heat, such as welding or soldering, be sure to inform your insurers of all your business activities in a full and comprehensive Business Description.
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