Public liability insurance is an essential type of insurance for most businesses, and it provides cover for the business if a member of the public or a customer suffers loss or injury as a result of business activities and makes a claim for compensation. Public liability insurance normally covers the compensation pay-out as well as any legal expenses.
Why do businesses need public liability insurance?
Should the worst happen, a business can rest assured that their customer’s medical costs, cost of replacing their possessions or repairing their property are covered – and accidents do happen!
The insurance company will normally cover the business’ liability to pay damages to the public for injury, death or damage to property or possessions which relate directly to the business’ activities.
The important of public liability insurance
One example of when you may be able to claim against a business is if you hired a company to install a new boiler, but it was fitted incorrectly. This could lead to water damage to your property or even personal injury such as carbon monoxide poisoning. In this case, you could claim for compensation to repair your home or make a personal injury claim against the company.
You should always ensure that any business you deal with has public liability insurance in place – don’t be afraid to ask to see copies of insurance certificates and documentation. Any business which carries out work at client’s premises or has visitors to its own premises is required by law to have public liability insurance in place.
How we can help
Here at Accident Advice Helpline, we have been helping people with personal injury claims since 2000, so if you think you may have a claim for personal injury compensation, you should contact us straight away.
Because we are a specialist personal injury compensation law firm, we offer a 100% no win, no fee service, and are happy to chat to you in confidence over the phone, with no obligation to proceed – we can usually tell you within 30 seconds whether you have a viable claim for compensation.
You can use the 30-second claims calculator on our website to see how much you could be eligible to claim, and our professional team of personal injury lawyers can offer expert help and advice. Because most claims can be processed fully over the phone, there is usually no need for you to attend court, and calling our helpline is free – we’re open 24/7 and waiting to take your call.
Date Published: November 18, 2013
Author: David Brown