What Is Public Liability Insurance UK

Posted by Vidit Agarwal on April 18th, 2018

What is public liability insurance?

If you are running a business, it’s unfortunate but true – accidents can place anywhere. In the UK, Public liability insurance is a form of business insurance protects you if clients or members of the public suffer any type of personal injury or damage property because of carrying out your business activities. It can pay for the costs of subsequent legal costs and any compensation claims and is an integral cover for businesses that interact regularly with customers.

What does public liability insurance cover?

The protection public liability insurance is designed to cover against your legal liability to the claimant, which could include loss of earnings, future loss of earnings and the cost of repairing damage. Generally public liability insurance cover:

• Compensation claims (Injury or even death).
• Cost of repairs (Damaged property or possessions).
• Legal expenses in the event that you go to court to defend against a claim.
• Medical fees (Hospital treatment or an ambulance call out).

Who need public liability insurance cover?

If you are working with customers or from a third party property, you may need to arrange cover for public liability insurance. There are certain types of businesses that might need public liability insurance, here a few examples:

• Cleaners
• Caterers
• Window cleaners
• Restaurant, Pubs and shop workers
• Builders
• Road Maintenance Worker
• Plumbers & heating specialists
• Electricians
• Carpenters

Public Liability Insurance: Frequently Asked Questions

• Do I need public liability insurance?
• What is an example of a public liability claim?
• Is public liability insurance required by law?
• How does public liability insurance work?
• How much public liability insurance do I need?
• Why is public liability insurance important?
• Where do your public liability quotes come from?
• How are public liability insurance premiums calculated?

If you'd like to know more about public liability insurance and business insurance, take a look at this section of DNS Accountants Understanding Public Liability Insurance. Book a free consultation today for more.