Whether you operate a small local shop, a growing startup, or a large corporation, unexpected incidents—such as customer injuries, accidental property damage, or legal claims—can happen at any time.
Public Liability Insurance is designed to protect your business against claims of third-party injury or property damage resulting from your operations. From small business owners and independent contractors to large enterprises, having the right public liability cover ensures you’re financially safeguarded against costly legal expenses and compensation claims in the event of an accident.
What does Public Liability Insurance cover?
Public Liability Insurance provides essential financial protection, covering legal expenses and compensation if your business activities cause injury to a third party or damage to their property. Without the right cover in place, a single claim could lead to significant financial strain, impacting your operations and reputation.
A Public Liability Insurance policy will typically cover you for:
- Legal representation costs incurred while defending and settling a claim
- Third party injuries or damage caused by your business' activities
- Accidental damage caused to someone else's property
- Loss and damage of goods
In addition to Public Liability Insurance, if you own a business that sells or delivers goods you may also want to consider getting Product Liability Insurance. Product Liability Insurance is suitable for people and businesses that supply products to customers. It protects you in the event that your goods or products cause personal injury, death or damage to a member of the public. This could include customers, suppliers, delivery drivers, clients etc.
Do I need Public Liability Insurance?
Accidents are unpredictable, and the legal fees, compensation costs, and potential reputational damage from even a single incident can be financially crippling.
As a business owner, you have a duty of care to customers, suppliers, and members of the public who are associated with your business and its activities. That's why Public Liability Insurance is highly recommended of all sizes and industries.
Request a QuoteHow Coverforce can help
At Coverforce, we understand the risks business owners face every day. Our highly experienced insurance brokers and in-house claims team will work hard to deliver personalised risk advice, expert service and an optimal insurance program that won't let you down when it's time to claim.
For more information or to arrange cover, please contact our specialised team at our Coverforce Office.
Alternatively, you can simply fill out a Public Liability Insurance Quote Form and one of our insurance brokers will get in touch with you within one business day.
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