The last thing you want is a customer to get injured whilst at your business, or to have their property damaged. With potential for costly legal claims and serious damage to your reputation, it’s simply not worth the risk of not being covered.
With public liability insurance, you can be protected from the financial impact of these kinds of accidents. This is particularly important for motor traders, as we all know how dangerous cars and motor equipment/parts can be.
DO I NEED PUBLIC LIABILITY INSURANCE?
You should consider taking out a policy for public liability insurance if:
- You own business premises that members of the public, clients or customers visit
- Your business organises off-site events or activities that are attended by the public
- You run a business from your home that involves having visitors/customers on your property
WHAT DOES IT COVER?
Public liability insurance protects you in the event of a legal claim following a member of the public getting injured, or if there’s property damage, related to you carrying out your business activities. This might be at your business premises, in a public space, or on the property of a customer.
Cover can help you financially with:
- compensation claims
- repair costs
- legal expenses
- medical fees
WHAT DOES IT NOT COVER?
It is important to note that public liability insurance does not cover employees, temporary staff, students or anyone working there in any capacity. For this, you need to take out employer’s liability insurance which is a legal requirement if you have any employees at all.
HAVE QUESTIONS? WE’RE HERE TO HELP.
If you have any questions about public liability insurance, or any insurance needs at all, get in touch with the Tradesure team today on 0121 248 9300 or message us below. We’d love to help you.