Public Liability insurance (PL) is business insurance that covers compensation you may have to pay and your legal costs if a member of the public makes a successful claim against your business when they have suffered an injury or damage to their property. If your business is found to be liable your PL insurance within limits agreed will indemnify you. There may be an excess for each claim which you will have to contribute.
At Essex & Suffolk Insurance Brokers we know that accidents can happen to anyone, with the associated claim costs running into thousands – and if you are uninsured this can have a significant impact on the financial health of your business. If your business was sued and you didn’t have insurance could you afford to pay out a compensation claim or secure expensive legal advice?
Public liability can cover anything from a cup of tea being spilt over a client’s smartphone by an employee to an accident such as slipping on a wet floor that causes a third party to be in hospital, or to sign-off work/loss of earnings.
Although not compulsory, you should consider public liability insurance as essential if your business has any interaction with members of the public – this could be customers or clients visiting your premises, carrying out work in people’s homes or even a passer-by if you work in the public domain. This includes sole traders that work from home and have clients visiting their premises.
In fact, some clients will expect you to provide proof of insurance, especially if your business undertakes contract work. This is so that the client can be sure you have the appropriate level of cover needed for the type of work you are being asked to do.
So, whether you’re a tradesman, shopkeeper, restaurant owner or have any type of small business you really should give public liability insurance serious consideration.
For advice, please contact Nick Thurston, Essex & Suffolk Insurance Brokers, on 01206 845945 or complete the form below.
If you have an enquiry or would like a quote for any type of insurance please complete our form and we will get back to you soon.
"We have used Nick for our Professional Indemnity insurance and contents insurance. He reviewed our current policy and found us a better one at a cheaper rate. Nick took the time to go through our current policy and discuss with us what we actually felt we wanted and matched a policy to meet our needs. Couldn't recommend him more. Lovely guy too which always helps."
"Insurance for small businesses is not just about the cheapest prices and best products. It's also about the service. I've been looked after by Nick Thurston and the team for over 8 years and nothing is too much trouble.
If you are tendering for new contracts and need to go through procurement the last thing you want is to be held up by documentation. Nick always ensures I've got everything I need in lightning speed. He also keeps an eye on my business growth and notices when my clients have become international thanks to my book and so suggests amendments to ensure I'm correctly insured - the perfect accompaniment to every small business. Thank you Nick!"
Mandie Holgate - Business Coach
"Over many years of being in business, I have always had the task of seeking out tried and trusted company suppliers, and historically company insurance has always been a difficult task, with either brokers that aren't efficient, or brokers who seem to provide a lip service in getting the best price.
I have to say that dealing with you was the most simple and painless process I have been through when seeking company insurance requirements for my business.
I have and will continue to recommend you to colleagues in the future, and of course continue to use your service for years to come."
Mark Fiddes - Senior Partner at Elan Marketing
“I approached Essex & Suffolk Insurance Brokers to look at the company’s business insurance needs including Professional Indemnity, Public Liability and Buildings/Contents cover.
Not only did Nick Thurston provide a very thorough and professional appraisal of our requirements and researched the various policies available, he ensured we were able to make considerable savings. On our commercial vehicle policy, he has managed to save the business in excess of £1400 on our annual premium and with improved cover.
I have since asked Nick to quote my household policy and again he managed to arrange improved cover with substantial savings.
I will always use Essex & Suffolk for all my business and personal insurances and would have no hesitation in recommending them to any organisation – they truly understand their market.
I would be delighted to provide any further information to help Nick continue to succeed in his brokerage venture.”
John Herbert - Managing Director at Gosh Projects
“Nick was able to find a competitive price and totally removed the hassle usually involved in arranging insurance, even online.
By taking my details verbally, he came back to me immediately with the best price, all I had to do was sign and return the forms and the job was done.
A pleasure to do business with.”
Katherine Ebdon - Managing Director at Ebdon Management Systems
I wish to express my thanks for arranging cover for my business assets (photographic and computer equipment) as well as Public Liability Insurance and Employer’s Liability Insurance.
The quote you provided met my needs and offered favourable terms compared to my existing policy. That combined with your clear and concise presentation of the policy detail made it an easy decision for me to switch from my old insurer to you with confidence.
Thank you once again
Adrian Multon - Adrian Multon Photography