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Why You Need Public Liability Insurance


What is Public Liability Insurance?

Public Liability insurance is essential in all workplaces and business, it is seen as one of the most crucial insurance covers. Let’s discuss the importance of the cover, and why you should apply for public liability insurance. This cover will cover you against third party claims, hence why it is essential that you have this cover in the workplace or if you work on someone else’s property. This includes being covered against customers and members of the public who may be injured or harmed as a result of your business or the services you offer. In addition to this, Public Liability insurance also covers contractors working on commercial sites, this is usually where you are more at risk for getting injured or hurt.

This insurance service is aimed towards business owners as this cover will help cover the cost of any legal claim against your company. An important note to make, this insurance doesn’t cover you or your colleagues, you will need to look into employer’s liability insurance. Here at Boothby Taylor we also offer this insurance cover, this is a legal requirement if you have employed 1 or more members of staff! Take a look into our services here.

What Happens When You Don’t Have A Public Liability Insurance Cover?

Do you frequently have customers or members of the public visiting your workplace, Public Liability Insurance also covers those of you who are working on a commercial premises or homes/ gardens of members of the public? We would strongly advise that you invest in this cover. In the event of a third-party claim being made against your business, you will find yourself having to pay out a large settlement. This may include covering the legal costs of the claim which is made against you as well as paying for your solicitor.

Be sure to insure and talk to our team today. If you are working on a commercial site and one of the workers damages the property, this will be covered under Public Liability insurance. It would be highly financially beneficial if you invested in Public Liability insurance. In addition to this, you may find that you win the case, but you will still be met with paying off the financial costs. Therefore, you will never really win if you aren’t covered! Find out more now…

Why do you need Public Liability Insurance?

Public Liability insurance will protect your business from any claims which have been made against your business. This is great for those of you who have customers and members of the public frequently at your workplace or if you visit other premises in your line of work. This cover is ideal in the event of a third-party claim being made against your company. The insurance will cover the legal costs, compensation claims and payouts which need to be paid in the event of a claim being made. If you are looking for a team of professionals to talk you through the process, whilst educating you and giving you a better understanding of the cover, our team can help you today! For further information, please get in touch with Boothby Taylor today!

What Public Liability Cover Do I Need?

This is solely dependent on your workplace and how often you come into contact with customers and members of the public. Your quote is based around the level of risk at your workplace. You will also need public liability insurance if you visit customers in their homes or premises and work there. For those of you who work from home, we would advise you to go with a lower protection cover. This is due to the fact that you will be less likely for your customers and clients to visit you at home. On the other hand, if your workplace is always faced with members of the public, with a higher level of risk of them getting injured or hurt, your quote will be more costly. You may find that you work on commercial sites with members of the public frequently visiting, this is the perfect opportunity for you to have a Public Liability Cover. If your chances of being sued are high, we would strongly advise you to go for this cover. In the event of somebody suing your business, you will be financially covered.

For more information, contact our team here at Boothby Taylor, Insurance Brokers Chelmsford. We can work with you to find the best cover to suit you and your business, be sure to insure and contact our team today! With years’ worth of experience in the industry, you can trust our team to find you the best deals around.

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