Public Liability Insurance
Getting your business up and running with a public liability insurance policy has never been easier thanks to our simple quote system, either face-to-face at our Bury offices or over the phone with our specialist advisors. We have been insuring local businesses for over two decades and we are confident that we can get you the best deal for your business.
Why Do You Need It?
Public liability insurance should be held by any sole trader, partnership or company that has potential exposure to property damage or personal injury. You need this cover if there is any chance that your business could lead to damage or injury. Public liability insurance is not a legal requirement like employers liability, but it is mandatory in most cases for many businesses. This is especially true for the building and construction industry, where most subcontractors will be required to show evidence of their insurance policy before they are allowed onto the work site. Public liability insurance covers a wide range of events. The following are some of the most common claim scenarios:
- Damage to your client’s possessions.
- Damage to another person’s property.
- Financial loss as a result of your work.
- Personal injury to your client or somebody else.
- Death of your client or somebody else.
- Financial loss to your client or somebody else.
The amount covered by your public liability insurance policy is determined by the needs of your business – we tailor all of our quotes towards each individual client. The general levels of cover are £1 million, £2 million and £5 million. Most sole traders and small business owners opt for our £1 million cover, but this may change based on your circumstances. For example, people working for the local government, shopping centres and large commercial buildings will often have contracts stating that a higher level of cover is required.
Public liability insurance covers you for negligence, but you are still required to take responsibility for your actions and act in a professional way. Most businesses operate properly and professionally, but mistakes can happen, which is why public liability insurance is required.
Employers Liability Insurance
In 1968, the Employers Liability (Compulsory Insurance) Act was filed, ensuring that all employers have to have a minimum level of insurance cover against claims made by employees. The legal requirement for employers’ liability insurance is £5 million, but our policies automatically have £10 million.
It is an employers’ responsibility to take care of their employee’s health & safety while they are at work, which is why employers liability insurance was made compulsory. Our policy will cover you for any injuries that your employees may suffer at work if they decide to make a claim against you. You are also covered against claims from former employees that may have fallen ill as a result of any work that they did for your business. It is very important for your business to be fully covered by employers liability insurance. Almost all solicitors are offering a ‘no win no fee’ service these days, if an employee wants to attempt to make a claim; they are very likely to do so because they have nothing to lose. Also, because of legislation, you can be fined if you do not possess an employers’ liability insurance policy that complies with the law.
Free Liability Insurance Quotes
We offer free quotations tailored to your business. Once we establish your business needs, we can provide a number of suitable and flexible policies provided by our carefully selected partners. Visit our secure online callback form now to get started. There are also a number of other ways to get in contact if you have any questions about our quotes or services. We pride ourselves in our ability to shape and tailor every one of our quotes to exactly fit your business needs. One of our insurance professionals will be happy to discuss your query in detail with you over the phone, by e-mail or directly in our office:
- Telephone: 0161 763 8222
- Fax: 0161 241 6760
- E-mail: enquiry@insuranceprice.co.uk
- In person: 52a Bolton Street, Bury, BL9 0LL
- Fill in our contact form