Why public liability insurance should be high on your priorities

In today’s litigious society, a lack of public liability insurance could be disastrous for any business. Despite your best intentions and plans, accidents do happen, and members of the public, customers and even contractors and sub-contractors have never been more willing and able to take action against those they believe are responsible.

Public liability insurance can protect your business against claims for damage to property, personal injury or death. It can pay for the legal costs of defending a claim and pay compensation if you inadvertently injure or damage the property of a client, contractor or a member of the public.

As with all types of cover arranged by a broker, your policy will be tailored to meet your individual needs, and cover can be extended to include contract works, tools, stock and mobile phones.

An experienced broker can advise you on some of the steps to take to minimise the likelihood of someone making a claim in the first place. They can also help you assess your risks and arrange the correct level of public liability insurance to protect your business, both now and in the future.