What does public liability cover?

Public liability protection covers injuries and damage claims brought against your business by a third party, whether caused at your own workplace, a customer's workplace or elsewhere. Protection against these claims is at the very heart of this type of insurance.

What does the liability insurance cover?

Liability insurance coverage protects you financially if you're responsible for someone else's injuries or property damage. Liability coverage comes standard with most vehicle and property insurance policies, including auto and homeowners insurance.

Is public liability any one claim?

Public Liability Insurance covers “Any one occurrence” this means it covers claims up to the limit of indemnity of the policy. There is no limit to the number of claims in one insurance year – relatively straightforward.

How much does public liability insurance cost UK?

The average cost for public liability insurance with AXA is £4.94* a month. It's important to note that working out the cost of public liability cover for each policy depends on several factors, such as your occupation, where you're working, how many staff you have and your annual turnover.

What does public liability insurance not cover?

Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers' liability insurance.

Public liability insurance explained

Is it illegal to not have public liability insurance?

Am I breaking the law if I don't have it? There is no law that requires your business to have public liability insurance.

What is the most common public liability claim?

Does public liability cover faulty work?

A faulty work claim will be covered under your liability policy only if no exclusions apply and the claim alleges bodily injury or property damage.

How much does public liability insurance cover?

Public Liability insurance can cover compensation claims made against you for injury or property damage to third parties such as your customers, suppliers or any other member of the public who comes into contact with your business.

Can I get public liability insurance for one day?

One Day Event Public Liability Insurance. Even if you're running a one-day event for colleagues, friends, family or the public, it's always worth taking out public liability insurance for one day.

Does house insurance cover public liability?

Your home and contents insurance can cover your property and belongings, as well as the people at your home, thanks to public liability included with your cover.

What is the difference between liability and legal liability?

There is an entire subsector of the insurance industry dedicated to providing various forms of public liability protection. On the other hand, legal liability describes the obligation of one party to pay a debt owed to another party.

What is public liability cover UK?

Public liability is a type of insurance for businesses of all sizes, across a variety of industries. It covers you if a client or member of the public claims they have been injured, or their property damaged, because of your business activities.

Do I need public liability insurance for a hobby?

Regardless of what you craft, you will likely benefit from having public liability insurance. We cover a wide range of crafts which many other providers do not. These include, but are not extensive to: Cosmetics, such as Bath and Shower Products.

What are the risks of public liability insurance?

FOR PUBLIC LIABILITY NON INDUSTRIAL RISKS

Legal liability for offices, schools, housing societies, hotels, restaurants and other such non industrial occupancies, towards damages to third party with respect to: Accidental death. Bodily injury or disease. Loss or damage to property.

Why do I need public liability insurance?

Public Liability insurance can cover the cost of pay-outs and legal fees if your business is sued by a third party (third parties include members of the public, customers or clients, but not your staff). Public Liability insurance can cover an accident in your work area or relating to your business activities.

Can I claim on public liability insurance?

A public liability claim – also defined as a type of personal injury claim - is a process where, if you have had an accident or have suffered a personal injury on public property, you make a claim on the public liability policy of the owner.

What is an example of a public liability claim?

Examples of public liability claims include: An explosion at a construction site which causes property damage to neighbouring premises. A customer slipping on a wet floor at a business premises. Damaged goods delivered by a business or contractor.

Why is my public liability insurance so high?

Risk level

As with all insurance, the cost of cover depends on the amount of risk that needs to be insured. If your business is high risk, you're more likely to need to claim, which means that the cost of your cover will be higher.

How long does it take to make a public liability claim?

In most cases, you have three years to start your claim. The most common types of public liability compensation claims are slips, trips or falls in public places such as shops, supermarkets, restaurants, bars, parks or uneven pavements. The claim is brought against the person or company responsible for your safety.

Do I need public liability insurance if I'm a sole trader?

Some sole traders think that their business is too small to worry about insurance but this couldn't be further from the truth. Small businesses often face the same risks as much larger companies and Public Liability insurance is almost always needed; whatever size business you run.

Do private hire drivers need public liability insurance?

Public liability insurance is essential cover for anyone who deals with the general public, although you won't usually find this type of cover as part of your taxi insurance policy.

What is the difference between public liability and insurance?

Public liability insurance is designed to cover members of the public rather than employees. Employers' liability insurance is the insurance you need to cover injury or damage claims made by a member of staff. This insurance is a legal obligation for most employers.

What is the meaning of public liabilities?

a situation in which a member of the public is hurt or damage is caused to their property by a company's actions or products: If you were sued, your house insurance should cover you for public liability.