Public Liability Insurance

Get a cheap public liability insurance quote online to get instant cover for your business to insure you and your company against the cost of injuries to members of the public.

This insurance is critical although not complusory if you and your staff have dealings with the public and this specialist online guide will help you through the maze of online brokers offering the cheapest online quotes.

Types of Business Insurance

There are many types of insurance businesses should consider from product liability insurance, professional indemnity insurance and employer liability insurance (which is a legal requirement if you employ staff).

It doesn't matter what type of business you run from a shop to a restaurant or if you are a contractor, the fact remains if you deal with members of the public this insurance is somewhat critical so please read our guide as to what is public liability insurance below.

Click here to get a public liability quote

What is Public Liability Insurance ?

Public liability insurance (or PL insurance) covers you and your business if you deal directly face to face with the public and covers your business if it causes injury or death to a member of the public or damage to their property.

The insurance covers the compensation payments and legal fees associated with any claims and these are increasing with the amount of day time TV advertising for no win lawyers taking on cases for even the smallest compensation claims. In fact over £1 billion is paid out each year in PL claims against businesses and some businesses fail because they don't have adequate insurance cover and can't pay the claim out of their own funds.

If run a business from home then it's unlikely you'll need this cover but if you travel to your clients' premises, place of work or travel to their own home business then it's worth thinking about.

If a claim is made against you the insurance company will process this all for you and ensure that all legal costs as well as the actual compensation claim is paid on your behalf. The amount you are insured for may appear to be excessive but the actual premiums are quite low and you should be able to get cover for less than £200 for an annual policy. Your premium will be calculated normally using your turnover figure but also the type of business you run and which industry you are in.

It's not a legal requirement to have public liability insurance but most businesses have cover of at least £2million as the cost of claims is increasing raidly as mentioned above.

Some professions require their members to have professional liability insurance as part of their membership agreement and insurance companies may not allow you to have this without first having public liability insurance - of course that varies between insurers so check with them in the first instance.

Getting Cover and Quotes

It's easy to get a quote and instant cover using the internet and there are many insurance companies, brokers and providers that you can use. Be sure not to just buy a cheap policy as it may exclude certain features that other policies include. It's best to use one of the mainstream insurance companies or a broker or independent financial advisor that you trust. We recommend More Than and you can get cover online in just a few minutes by using the link below:

Click here to get a public liability quote

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