Why You Need Public Liability Insurance For Your Business

Any business that regularly interacts with customers and members of the public will need a minimum level of public liability insurance coverage. In a world where even the most careful businesses can accidentally cause injury or damage to someone else’s property, having this insurance cover is essential. It could pay for compensation claims, repair costs, and legal fees. Go here:https://www.tradesmansaver.co.uk/public-liability-insurance/

Public liability is a type of general business insurance that covers third-party injuries and damage to property caused by your business activities. Whether this is occurring on your premises or elsewhere in relation to your business operations, such as a client’s home or office. It doesn’t cover your own employees unless they are considered ‘workers’ under workers’ compensation laws. This includes casual staff, contractors, unpaid work experience students or volunteers.

 Myths About Public Liability Insurance Debunked

An example of a claim could include your customer tripping over a ladder while visiting your showroom and being injured. Or, a painter and decorator accidentally spills paint somewhere that causes damage to the customer’s furniture or other property.

Having the right insurance for your business can help you feel confident that you can focus on running and growing your business. And that’s why it’s important to talk to your agent about what type of cover you need and when you need it.

If you need additional protection for your business, consider our commercial property insurance and professional indemnity insurance. We can also recommend add-ons to your policy like cyber insurance or data breach coverage for added peace of mind.

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