Public Liability Insurance

Buy Public Liability Insurance with Prosura

Public Liability Insurance is something that just about every business should consider. It’s not a legal requirement, but it’s the most common type of business insurance. It’s designed to protect you from costs where a member of the public claims that they have become unwell, been injured, or suffered damage to or loss of property as a consequence of your work.

We think that getting appropriate cover should be straightforward. At Prosura we offer jargon free advice and frictionless access to policies from a range of leading UK Insurers.

Does every business need Public Liability Insurance?

Most businesses should seriously consider it. You may find that it’s a contractual obligation with some suppliers or customers, so just having the right cover can make doing business easier.

Beyond that, any business that interacts with members of the public in some way will have an exposure to claims. So, no matter whether you’re a tradesman working in people’s homes, a shop keeper with customers coming into your premises, or a dog walker exercising on public land, you should consider PL cover. We live in an increasingly litigious world, and for many small businesses appropriate cover will cost less than £200 a year. PLI is relatively inexpensive given the benefits it can offer.

What does Public Liability Insurance do?

In a nutshell, Public Liability Insurance covers legal defence costs and compensation payments for claims of bodily injury or property damage to a third party.

The most common Public Liability claim type is for trips, slips and falls. These actually account for around 10% of all insurance claims brought against businesses in the UK.

Public Liability cover is available to all types of business – from sole traders and charities through to Limited Companies and Partnerships. You can even insure a one-off event that you are running.

You can specify the indemnity limit (The maximum amount a policy will pay out for any given claim) typically at £1m, £2m, £5m or £10m. To decide what the appropriate level is for your business, you need to consider a ‘worst case’ scenario and the likelihood of it happening.

Why buy Public Liability Insurance through Prosura?

We’re here to let you get on with running your business by providing friction free access to expert advice and high quality insurers. We’re on hand with professional advice as your business evolves and / or expands.

We also give all our Public Liability Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For your Public Liability requirements, contact the specialist brokers at Prosura today.

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