Public liability insurance is an important form of insurance many businesses forget to take out. It is the insurance you need to protect yourself from claims arising from damage you cause whilst carrying out your work.
Who Needs Public Liability Insurance?
Absolutely anyone who comes into the contacts with members of the public whilst carrying out their work can benefit from having this form of insurance. It is not a legal requirement in the UK, however, it is wise to take it out. After all, you only have to make a small mistake to cause an accident or break someone else’s property. We are all human and are bound at stage to make such an error.
What is Covered by Public Liability Insurance?
Exactly what your public liability insurance covers depends on the type of policy you buy. The majority of policies were designed to cover damages you have to pay to a party you have injured in some way. For example, if you are taking a photograph in a public place using a tripod and someone trips over the leg. If it can be proved that you were negligent, they will be able to claim from you for any injuries they sustained. Also, should they have fallen on their mobile phone and broken this they would be able to claim for the cost of replacing that phone. A good public liability policy would cover you for the damage you did to their phone and any costs related to their injuries.
Because, the policies offered vary drastically from supplier to supplier it is important to shop around for this kind of insurance. Key to buying the right policy is understanding what type you need. You can find this out by speaking to other professionals about the level and kind of liability insurance they take out.
As with any kind of insurance, it makes sense to shop around for your public liability insurance. Doing so will not only save you money, it will also help to ensure that you buy the right kind of policy. Before signing up with a company double check that you agree with the terms and conditions.
For a comprehensive quote for public liability insurance visit the Hensure website. Hensure are happy to advise you as well as provide you with a quote.