Public Liability Insurance

Specialist Liability Risks Team

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Public Liability Insurance

Despite your best intentions, accidents do happen and if the accident is as a result of something your business has done then a client, a contractor, or a member of the public can make a claim against you or your business for compensation. Your public liability can be triggered by something as simple as spilling a drink over a client’s computer, or a contractor slipping on a wet surface in your office incurring illness, injury or damage.

To help protect your business, S.A. Faughnan (Brokers) Ltd. can provide small, medium and large businesses with public liability insurance as a standalone policy or it can be purchased together with a range of business covers including employers’ liability insurance

What does a Public Liability insurance policy cover me against?

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Injury or Illness claims from Third Parties
Costs of defending a Third Party claim
Legal costs and resultant financial loss

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Property Damage claims from Third Parties
Compensation awards made to Third Parties
All Risks cover for Tools can be added

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Why have Public Liability insurance?

Even if you don’t have visitors to your office or home, you could still suffer a public liability claim against you or your business; for example, if you accidentally damage a client’s property in their office, at their commercial premises or on site
Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a public liability claim
Anyone working for you could trigger a public liability claim against you or your business if their actions at work injure a client or member of the public or their property
Many companies, local authorities, main contractors or organisations will also insist on their suppliers having public liability insurance cover in place

How Public Liability Insurance protects you and your business…

Covers you when you have to pay compensation to a client, contractor, local authority or member of the public who is injured or incurs property damage and your business is at fault
Pays out legal fees spent in defending a claim and any resultant financial loss

What other insurance cover do I need to consider to adequately protect my business?

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Employers’ Liability
Products Liability
Cyber Liability
Personal Accident

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Professional Indemnity
Office Insurance
Directors & Officers Liability
Motor Insurance

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Get A Quote

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Please contact me immediately to obtain relevant risk & personal data for the sole purposes of arranging an insurance quotation and for no other purpose.