Public Liability Insurance
Why choose us for your Public Liability Insurance
These things can include simple things like a member of the public tripping up on a step outside your shop which wasn’t signed correctly to a builder knocking of some bricks and falling onto a member of the public walking by and causing a serious injury to them the list goes on. With new modern society and people claiming more for injury benefits and loss of income from work this can be a massive impact on a business to pay out on if not covered correctly.
AXA did a recent survey to their claims analysis to how much they paid out on an average liability claim this was £13,500 per claim when you take that into mind that public liability quotes can be from just £99 for the year it’s a huge potential saving and protection to your business as well as your reputation if not covered. So this is why it’s important to protect yourself against this and make sure you get the right cover for the work that you are doing.
Helping the UK with Public Liability Insurance since 1967
Why The Bateman Group?
- Established since 1967
- Personal service – nominated point of contact
- Annual reviews
- 100% independent consultants with access to whole of market
- Capacity & experience to place non-standard/specialised risks
- Experienced ‘in-house’ support team
- Swift issue of policy documentation
- Rapid claims handling
- 3,000 clients across the UK
Benefits of cover:
- Cover for nearly any trade (including hazardous)
- Cover in high-risk locations
- Cover for events
- Cover for up to £10 million liability
- Personal advice
- Excellent claims service
Optional cover:
- Directors & officers cover
- Management liability
- Legal expenses cover
Public Liability InsuranceFAQs
What is Public Liability Insurance?
If you run a business and regularly come in contact with people face-to-face then you will most likely require public liability insurance to protect you in case of any personal injury, illness, or damage claims. You may have clients visiting your business location, which could also be your home, you could be visiting clients, and you could generally just be working within the public. All of these situations could have occurrences of injury or damage to property with a claim against your business.
Public liability claims can be very high, as it includes the compensation amount, legal fees, expenses, damage repair costs, and potential NHS claims if hospitalised. These high claims could potentially run a small business into the ground if they are not able to pay the fees being uninsured at the time of the event. This is why most businesses see this as a very necessary investment to protect their company from potential claims.
Why do I need Public Liability Insurance?
Although public liability insurance is not a legal requirement in the UK, businesses and self-employed people who regularly come into contact with others, see this insurance as an almost mandatory expense, due to the negative impact of being under-insured at the time of a potential claim.
There is nothing worse than seeing a £164,000 claim because someone tripped over a loose tile at your hairdressers and caused serious damage a person’s head, leaving them unable to work, or a furniture fitter whose cabinet fell off the wall, knocking a contractor to the ground from his ladder breaking his wrist and severely damaging his back. The ‘what ifs’ are infinite, which is why paying a small premium to ensure that you can continue to thrive in your business if anything unfortunate was to happen, is the ‘get out of jail’ free card that every company should have in their pocket.
What does Public Liability Insurance cover?
Public liability insurance will give you protection if your business causes injury or illness, and damage to someone’s property. This could be at your premises, at your clients’ location, or just in the general public. If you come in contact with people face-to-face at any point throughout your business activities, then it’s very wise to get a quote for public liability insurance, as the claim costs are usually very high.
The settlement fees that could be demanded from you to pay include compensation costs, legal fees, damage repair costs, and if there are hospitalised the NHS could also claim recovery fees in the event of an accident. If you do not have the capital to cover over £100K worth of settlement costs, then getting this public liability insurance is a very wise business decision agreed by most companies and the self-employed.
How does Public Liability Insurance work?
If someone sues your business for an injury, illness, or property damage, then you will have a settlement cost to pay, which could include the compensation amount, legal fees, damage repair costs, and also NHS costs if the person was hospitalised and recovery fees were claimed.
Being fully insured by an active Public Liability Insurance policy means that in any of the events mentioned, you would have the claim amount also fully paid off, bar the agreed excess amount, which could be from as low at just £250 or £500 for example. The higher the excess, the more chance of lower quoted premium.
How much does Public Liability Insurance cost?
The price of a Public Liability Insurance premium will all depend on the size of your business, the number of employees you have, the level of risk that your daily activities reflect, and many other variables that basically go into the equation of how likely are you to have a claim made against your company and what is the likely size of the settlement cost.
Give us a call to speak with a trusted advisor who will be able to generate a quotation based on your business information and requirements, or simply complete our online quote form for an accurate public liability premium.
Is Public Liability Insurance a legal requirement in the UK?
Public Liability Insurance in the UK is not a legal requirement, however, a lot of businesses and self-employed people see this type of cover as a critical element to their business, as a potential settlement claim amount could be in the figures of £100K+ as it includes a breakdown of compensation costs, legal fees, damage repair costs, and the NHS could also claim for recovery costs from a serious injury.
The high potential settlement costs for a public liability claim could cripple a small business, which is why it’s almost their lifeline to get them out of trouble if their business was to accidentally cause injury or illness to anyone, and damage to someone’s property. Accidents happen all the time, but your business shouldn’t have to close because of one.
Can I get Public Liability Insurance with a criminal record?
Although your options are greatly reduced with a criminal record, it is still possible to get the level of public liability cover that you require. You’ll need to speak with an insurance expert directly, who can give you all the option that are available to you. Please feel free to either give us a call or complete our online quote form.
Do I need Public Liability Insurance if I work from home?
This depends on what kind of business activities your run, and if you are regularly or even just from time-to-time meeting people in person. Public Liability Insurance will protect you in case someone is caused injury or illness, and damage to their property by your business against settlement costs.
This could mean if someone is coming to visit your home to discuss something relating to your business, if you are going out to visit someone else’s home as a business activity, or even if you are walking to a meeting and cause injury to someone in the general public with something that you are carrying relating to your work.
Speak with a trusted insurance advisor to discuss the level of cover that you would require or simply complete our online quote form.
Do I need Public Liability Insurance for my wedding?
As there are usually lots of people at a wedding event, there may be occurrences where the staff are injured by one of your guests and vice versa if you are organising the wedding as your business. This would also include if guest caused damage to the property of the event holders, and again vice versa, if the damage was caused to a guest’s car for example by one of the staff members accidentally.
So there are plenty of reasons why you should get a reasonable level of public liability cover for a wedding event. Give a call now to speak with one of our friendly insurance experts or complete our online quote form.
Do you provide Public Liability Insurance in monthly instalments?
We are able to provide most types of Public Liability Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your business. Please start an online quote at the top of the page or call us on 01926 495 113.