Public Liability Insurance
Public liability insurance will not cover:
- Accidents that happen to you.
- Damage to your own property or accidents that affect your employees or their possessions.
- Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy . which is a legal requirement.
What else do I need to know about public liability insurance?
First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.
As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.
How can I compare public liability insurance deals?
As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.
MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.
Do I need public liability insurance?
We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.
Looking for business insurance?
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