There is no legal requirement to get public liability insurance. But,  with no such cover, one claim could put you out of business.  You’ll even discover that, depending on the sort of labor you are doing, some clients insist that you have public liability insurance as a term of your contract.

You are able to get public liability insurance via your insurance broker. It’s very crucial that you discuss absolutely with your broker all the risks arising from your work activities so that a policy covering the major issues may be obtained. As an example if your business involves maintenance or modification to your customers’ premises you will need cover for any harm caused, which might not be a normal part of every self employed public liability insurance.

It remains important to attempt to prevent public liability claims even if you’ve got insurance. Accidents to members of the general public, arising out of work activities can also end in prosecutions plus you can’t insure against fines imposed by the criminal courts. Furthermore, such accidents may lead to harm to your reputation plus loss of customers, with long-term financial consequences for your business. 

Public Liability Insurance covers you for any damages that a member of the public can be awarded as a result of injury or damage to them or their property caused by your business. It additionally covers legal fees and alternative expenses to do with defending any claim. 

Public Liability Insurance Cover ought to be regarded if members of the public, clients or customers visit your premises. If you run a home business, and customers typically visit you there, public liability cover could additionally be a smart idea. 

Public Liability insurance will cover you if a person is accidentally injured by you or your business operation. It will also cover you if you harm third party property while on business. The cover ought to include any legal fees plus expenses that result from any claim by a 3rd party. 

This sort of insurance can solely cover third party claims (i.e. not your own workers – you need Employers Liability Insurance for your own staff). 

You may necessarily ensure that your insurer knows what kind of business you run, and you ought to always inform them if your circumstances change, as this can affect your policy