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Public Liability Insurance
Liability Insurance and Public Liability Insurance

What is Public Liability Insurance?
Public Liability Insurance (PL) covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.

Why do I need Public Liability Insurance?
It is impossible to eliminate all risks if you are running a business. However, the law states that if you cause damage to someone or their property then you will have to pay the claim amount which, in the worst case scenario, could run to many millions of pounds. By taking out PL you are protecting your business against going bankrupt should the worst happen. The insurer will pay the claim and any legal fees. The knowledge that your business is protected will also give you the confidence to concentrate on the running of your business, rather than concerning yourself with “worst case scenarios”.

How can Decision Finance help you find a quotation for Public Liability Insurance?
Decision Finance works with a panel of top insurers and brokers to find the most competitive quotations for your business. PL is a cover that is included in all of our “Tradesman and Construction” Policies and all of our “Office” Policies (Small and Home Office for the links). Which policy you choose would depend on what kind of business you run. By filling out the short form on our site, you will have access to the best prices in the insurance market, and you don’t have to do any more work other than sit and wait for the quotations to come in.

Who do Decision Finance work with to provide quotations for Public Liability Insurance?
Decision Finance work with some of the top names in insurance, to provide you with a policy that you can have confidence in. These included AXA and Zurich, big names who insure a large proportion of the small businesses in the UK. We also use brokers such as Folgate, Swinton and Bond & Stein to place the slightly more unusual or specialist risks. The good thing to know is that we will get you a quotation if we possibly can, through our network of insurers and brokers.

Examples of when Public Liability Insurance would cover you:
You run a plumbing company. One day you are called to an office to sort out a problem in their kitchen. Accidentally, you burst a pipe, and flood the office. Your client then makes a claim against you for the damage to their carpet and computer systems which have been damaged by the water.
You run a marketing firm from a small office. Whilst one of your clients is visiting, he trips on some overturned carpet and twists his knee. He makes a claim against your firm for the injury that he has suffered.
You are a builder. You are running a building project involving scaffolding. One of your men drops a piece of equipment which falls to the street, injuring a passing pedestrian. The pedestrian makes a claim against your firm.