Public liability insurance

Your business is at risk everyday. Protecting your lively hood and source of income should be your first priority.

The products we offer are specially designed to cover individual tradesmen, professionals and small businesses.

The basic concept of public liability is to cover your business in the event of a third party making a claim against you. It will also cover you in the event that you damage a third parties property.

Liability Information:

• Last year over 5 billion was paid out alone in public liability insurance claims. A lack of public liability cover has put thousands of businesses out of business every year.
• The health and safety executive upholds the law and fines business up to a massive £2,500 for each day of non-compliance.
• If you do not have liability insurance in place and you get pursued for compensation then you will be liable to pay the full amount of the claim that has been made.
• If your not able to pay the amount of the claim you are then liable to lose your business, home and other assets.
• Some businesses must take out liability insurance e.g. horse riding establishments are required to have liability cover in place.
• Public liability insurance covers you for claims made against you by a third party member or another business
• Our online liability insurance quotation system is completely free, and is designed to do the "shopping around" for you. We have researched all of the leading public liability insurance providers to provide you with the very best in liability insurance cover available.
• The limits on any standard Public Liability policy are usually between £1m and £5m and can be a condition of working or sub-contracting for another company.
• A plumber is fitting a sink and they don't tighten a bolt properly and that causes a flood damaging the clients' property. The plumber has acted negligently by not fastening the bolt properly.
• Even if you work from home it may be that you need Public Liability insurance. If clients often visit you at your home office then this policy will cover you if they injure themselves while they’re on your premises (it could be something as daft as tripping over the carpet!).
• The premiums will depend on the type of business, your turnover and the number of employees. The problem is working out what level of protection you think you need. The key is not to underestimate – £1 million may sound like a lot of cover, but if you find yourself facing a series of claims from a group of people the legal fees will be large.
• For your own peace of mind we can ensure you that we only use well-known insurers to provide liability insurance who are authorised and regulated by the financial services authority (FSA).
• Our liability insurance policies will also allow you the option of quoting for tools cover, This is a very good idea as in some cases tools are very expensive so it makes sense to include this cover in your public liability insurance cover.
• Remember to keep your public liability insurance policy up to date to reflect any changes that are made in your business. The reason for this is as you expand your business, you're likely to find that risks will grow also.

In the UK alone, it is estimated that up to 1 million of public liability insurance claims are made each year. People are becoming more aware of their right to seek compensation in the event of an accident.

We have built our public liability insurance quote system to fit with your needs and we are striving towards excellence of services. With our quote system you can get comparisons in seconds with simple questions and the UK's leading commercial insurers, what more could you want.

Click > quote > Buy is not just a marketing line it is our ethos for all types of liability insurance, fill in some short details and get a quote, check the policy details, complete the proposal and you are done.

We offer many payments options for public liability insurance but we recommend either annual or monthly direct debit if you are looking to spread the cost over the year.

Public liability is becoming more important in today's environment, making sure you have the correct level of cover can be the difference between winning a contract and loosing it. Many public bodies now require public liability cover to be in place before you can work so make sure you are insured today.

• For more information read the employers liability fact sheet or what is liability insurance.
• Why not try our liability insurance comparison system for tradesmen or professionals
• Help with our system can also be found in our liability insurance help menu