Public liability Insurance is must have cover for all businesses and industries. It covers if a customer or member of the public claims they have been injured, or their property been damaged, because of your company actions.

It is designed to safeguard business owners against claims that result in legal actions. The policy will cover the cost associated with the legal actions including any awards and damages you are required to pay.

Claims can arise from numerous situations however negligence is the main cause. A customer might trip on an uneven surface at your property, or a member of the public could injure themselves on a piece of your equipment. It also covers claims of property damage. For example, if you accidentally spill a coffee cup, damaging a client’s laptop during a meeting, your policy will cover the associated costs.

It’s also important to note that several organizations might require you to have a certain level of public liability insurance. Therefore, a policy does not only protect you from missteps, it can also assist in securing new business.