https://blog.constructaquote.com/what-is-public-liability-insurance-video-guide/

https://blog.constructaquote.com/ultimate-guide-public-liability-insurance/#what-is-public-liability-insurance

Public liability insurance could be considered one of the most essential forms of business cover. Not only will it provide you with financial protection against the cost of personal injury compensation, it will also cover you against accidental property damage claims made by members of the public and other third parties.

Public liability is insurance cover which business owners invest in to protect themselves against the financial costs of claims made by members of the public. A claim could also be made against you by a third party, if they become injured or their property is damaged as a direct result of your work or business operations.

For example, if you are working in a customer’s home and they trip and injure themselves on your equipment, they could potentially make a claim against your insurance for compensation. In this instance your public liability insurance would cover the legal costs associated with a successful claim made against you and any further compensation payable. Without it, you would be expected to cover the costs yourself.

If through the course of your work, you regularly come into contact with members of the public, i.e. clients or third parties who enter your premises, then public liability is an essential business insurance to consider.

Typically, businesses may choose to take out Liability between £2 - £5 million, however we are able to offer customers indemnity limits up to £10 million.

Smart business people insure with constructaquote.com, where honesty is our best policy.