Public Liability Insurance - The Essentials | Active Insurance
Public Liability Insurance
 Obtain an instant cheap public liability insurance quote online for most trades and professions. Instant cover for your business against claims arising from injury or damage to third party property.
Public liability cover even though it is not required by law is still an important insurance cover for most businesses to have especially where they or their employees have direct contact with the members of public. There are many online insurance companies and brokers that offer cheap online liability quotes and throughout this guide we will try to explain what to look out for.
Different types of commercial and business insurance policies
Most businesses have to take into many types of insurances into consideration, with public liability insurance forming just one component. If the business owns a commercial premise then the buildings should be insured, also if there are any business contents including fixtures and fittings again these should also be insured. If the business employs staff then the employers liability insurance becomes a legal requirement. If there are any motor vehicles again these must be insured and if your business has three or more vehicles then perhaps a business fleet insurance policy is ideal.
Businesses come in many forms and sizes, from a one man self employed builder to shop, office, restaurant, contractors. Whatever category your business falls under, it is critical that public liability insurance cover is in force if you are in contact with the members of the public. Â
Exactly what is Public Liability Insurance?
This type of insurance cover costs resulting from a claim from a member of the public against your business due to injury or damage to their property as a result of your business activity.
With so many companies in the media offering a ‘no win, no fee’ service it is essential for any business that has contact with the public to have some form of public liability cover in place. Millions of pounds are paid out in compensation each year in public liability claims against all types of businesses. Some businesses that do not have the necessary cover in place have been forced to close due to costs of defending these claims.
...by kabirh