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Public Liability Insurance

Why Use Quotesearcher

  • No need to shop around to find the best deal
  • Only deal with leading UK insurers
  • One stop solution for all your insurance needs

Accidents, by their very nature, are neither deliberate nor planned. No matter how well prepared you may be, accidents can still happen. Even if you are doing everything right, following best practice at all times, the same cannot be said for the other party involved.

This is where public liability insurance comes into play.

Compensation and legal costs can be incredibly high, and could have serious financial implications for you or your business. With today’s culture of ambulance chasing, even baseless claims are still expensive things to defend against.

What is Public Liability Insurance?

Public liability insurance is designed to protect you and your business against compensation claims, and any legal expenses incurred if a member of the public is injured or their property is damaged as a result of your business or a product it has supplied.

Why do I need Public Liability Insurance?

We would strongly recommend that all businesses purchase public liability insurance, because a compensation claim can have a big impact on your finances. An SME could even end up being bankrupted by the costs of such an action. It is a way of protecting yourself, your business and your employees.

Below are some examples illustrating why public liability insurance is so important.

  • If a client or member of the public slips over on a wet floor at your business premises and sustains an injury, as the owner of the business you can be held accountable and have to pay their legal, medical and compensation costs.
  • If you are working on a film set and damage camera equipment belonging to another freelancer, the cost of repairing it can easily run into the thousands.
  • If a client is visiting your office and falls from a faulty chair, injuring themselves, they can sue you for compensation.

The amount of cover you require depends on the size and type of your business. Most of our partners offer £1 million cover as standard, with higher levels available if necessary.

If you work in an industry deemed to be high risk, you may need to get a specialist policy if the standard cover is insufficient or you do not qualify for it.

Enter your details in our simple contact form, and we’ll find the best public liability insurance policy for you and your business.

Why Use Quotesearcher

  • No need to shop around to find the best deal
  • Only deal with leading UK insurers
  • One stop solution for all your insurance needs
  • If you, or any member of your staff, come into contact with a member of the public at any point during the job then it is essential you are covered with public liability insurance.  This ensures that if a member of the public is injured on your premises, or even in a public area where you are working, you will not have to cover the costs of compensation on your own.  Compensation for accidents can often amount to thousands of pounds, which will ultimately have a huge impact on your business if you are not protected with public liability insurance.  Luckily, with QuoteSearcher you can be provided with a number of quotes after filling out one simple form, protecting you in next to no time!

  • At QuoteSearcher we work with a number of partners so that we can help our customers find cover regardless of their business type or size.  Those that can benefit from public liability insurance include tradesmen, hairdressers, shop owners, in fact anyone who works with or around the public on a regular basis.  Naturally, there are some occupations that work with the public on a regular basis, which is why when looking for a public liability insurance quote it is important you let us know as much about your business as possible.  This ensures that you will get the right amount of cover for you, and that you will be able to work knowing you are constantly protected.

  • As previously mentioned, some occupations work more with the public than others, and so your public liability insurance premiums will mirror the amount of risk you pose.  At the same time, QuoteSearcher gives our customers the ability to choose the amount of cover they require, from as little as one million to a maximum of five million pounds.  We also ask whether you have had any claims in the past five years, as those that have not claimed may be able to benefit from lower public liability insurance quotes.  The best way to find out the cost for your business is to let our brokers provide you with their best offers, so why not fill out an online form today?