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Accidents can happen at any time and it could be something very simple or something really serious. For example, you might spill your coffee on a client’s computer and damage it, or someone might trip on a piece of your equipment or slip on your wet floor. On the more serious side, your faulty workmanship might cause a flood or fire, or you could be responsible for a life-threatening injury.
If you were found liable for such an incident, you would end up facing a financial claim that could potentially cripple your business. Public liability protects your business from a financial standpoint and it protects the interests of public by ensuring they can claim appropriate compensation.
How much public liability cover should you buy?
The level of cover you need will depend on the risks involved with your business. You can take as little as £2 million if your business has little interaction with the public or as much as £10 million if your business is high risk or involved with government contracts. Certain business types might be subject to certain requirements by clients, for example a DJ would need to make sure he or she has the correct level of cover required by a venue.
Getting a good deal on your insurance
You can buy public liability insurance as part of a single policy which can also include other covers relevant to your business.
Compare Public Liability Quotes Instantly
Article contributed by
Simply Business
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