Whilst public liability cover is not a legal requirement in the UK, we strongly recommend you consider the importance of this cover and how it can protect you and your business. Public liability protects and compensates for damage to property, injury and death to any member of the general public. So whether you visit a client’s premises or home, regularly attend exhibitions or you have the general public visit you, you are exposed to a potential public liability claim.
It is important to consider all scenarios that could affect your business and subsequently your livelihood. If a member of the public is injured or died as a result of an incident caused by your company, whether this is directly or indirectly, could your company cover the compensation costs? Whether you are a tradesman (including builders, carpenters, plumbers or electricians) or a professional advisor (including architects, accountants or salesmen) cover can be obtained at very reasonable rates.
You could also extend cover to include products liability for the products that you manufacture and employers liability to protect your team too.
With cover starting at £50 per year, you need to ask yourself “is this protection my business can afford not to have?”
We have various options available including working at heights or depths, use of heat and working at dangerous locations such as airports, railways and offshore locations.
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It is this personal service and reassurance that has enabled me to place with confidence every vehicle that both my family and my business have on the roads.
Top class advice. I will move all my insurances to them now – motor, home and my business.
We have switched to Invicta Insurance Services this year for our Fleet, Property Investors and Office insurance renewals. Leon at Invicta noticed areas where our cover was duplicated and we were paying to cover ourselves twice for the same thing; he combined this cover and made it much simpler for us.