Public Liability
Public Liability should be considered if members of the public, clients or customers visit your premises or you visit them and will cover third party claims for any injury or damage caused.
If you run a home-business and customers sometimes visit you there, public liability cover might also be a good idea. See working from home section.
These policies are designed for the self-employed and small business, with optional covers like employers' liability and/or tools and stock in transit cover.
It is the ideal choice for small businesses and the self-employed, available for a wide range of trades providing peace of mind by giving protection against many of the risks likely to be faced, as well as the flexibility to choose the level and extent of cover to meet individual requirements.
Premiums are very competitive using our panel of selected insurers and most times cover can be arranged instantly.
A typical policy includes benefits like:
- Choice of Public Liability covers - £1m, £2m or £5m
- Employers Liability Cover includes free cover for up to a maximum of 4 clerical staff
- Optional cover for temporary additional manual workers, for a total period not exceeding 50 days in any one period for Public Liability, and Employers' Liability if taken
- Optional cover for the loss of, or damage to, Tools and Stock in Transit
- 24 hour claims reporting - 7 days a week, 365 days a year
- 24 hour free helpline, providing confidential advice on legal, tax or VAT problems in connection with business
- Multiple trades covered by one policy
- Up to 20% discount depending on your claims history and trade experience
- No Claims and Loyalty Discounts at Renewal
- Monthly payment facility (minimum £200)
Subject to conditions, clauses applicable depending on trade.
To receive a quotation or discuss your enquiry, please complete our Quotation Request Form or call us on 01379 643444 for one of our advisers to discuss your enquiry.
