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Protect Your Business with Public Liability Insurance

If you own or operate a business that interacts with the public, getting public liability insurance should be a top priority.

Public liability insurance protects your business if a third party makes a claim of bodily injury or property damage that occurred because of your business activities, operations or products. It can save you from financial ruin in case of an incident. Here’s what you need to know about public liability cover.

Public liability insurance policies cover both the cost of defending a claim in court as well as compensation payouts owed to the claimant. Some common examples include:

  • A customer slipping, falling, and becoming injured on your business premises due to a wet floor

  • A client filing a claim alleging your product was defective and caused harm

  • Damage to a third parties property during a delivery gone wrong

Without adequate insurance, these types of claims could be very costly to fight or settle out of court. Public liability policies cover these expenses so your business doesn’t take the financial hit.

Who Needs It?

If your business ever interacts with customers, vendors, or other third parties in person, you likely need public liability cover. Especially if your services pose any potential safety hazards. Many business partners and landlords also require you carry a policy as a prerequisite to working with you.

How Much Cover Do You Need?

The ideal insurance amount varies widely by industry risk and business size. General liability limits often start at £1 million but can go upwards of £5 million to £10 million for higher risk industries. When in doubt, consult with an experienced insurance broker like Keep Insurance Brokers about what makes sense for your operations. We can make sure you get adequate protection without overpaying.

Protect your livelihood with comprehensive public liability insurance tailored to your business’s unique risks and exposures. Don’t wait until it’s too late.

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