What is Public Liability Insurance?

Public Liability Insurance covers any awards given to a member of the public due to an injury or damage to their property caused by yourself or your business. It also covers any related legal fees, costs and expenses.

Without public liability insurance you are liable to pay the full amount of the claim. If you unable to pay the claim, you risk losing your business, home and any assets that you have.

In 2009 £ 7 billion paid out in compensation for public liability claims. This increased to over £ 10 billion in 2010. No business should be without public liability insurance. A lack of public liability insurance puts thousands of businesses at risk every year.

Who should have Public Liability Insurance?

Public Liability Insurance is essential for any business, in fact for some businesses it is a legal requirement. In addition to this some of your customers and clients may require you to have Public Liability Insurance as a premise to working with them. In this instance not having public liability insurance could lose potentially valuable business.

How much does Public Liability Insurance cost?

The cost of public liability insurance is relatively low but it varies from business to business depending on the number of employees, turnover, the activities of your business etc.

How can a Public Liability Insurance Claim Arise?

An example of how a Public Liability Insurance claim could arise is if a member of the public slips on a spillage in a shop and there were no clear warning signs for the spillage. The member of public could quite easily sue the shop owner for damages.

Public Liability Insurance

M & DH Insurance Services Ltd are able to offer Public Liability Insurance for a wide range of occupations. We have access to a wide range of insurance markets and specialist schemes that can ensure we provide a competitve quote for your Public Liability Insurance. We specialise in obtaining Public Liability Insurance quotes from a wide range of different insurers to ensure that we get the best possible business insurance cover at the best price.

M & DH Insurance Services Ltd are an independent broker. To obtain a quote or to seek advice from one of our insurance advisers about professional indemnity insurance please contact us and we will be happy to help you.