Why You Need Public Liability Insurance
- By OnSite Insurance
- •
- 13 Jun, 2018
- •
Why You Need Public Liability Insurance
If
your business comes into contact with the public, which includes customers and
clients, you must have public liability
insurance. If a member of the public gets injured on your premises or if
you cause damage to their property, it could cost you thousands if you're not
protected. Generally speaking, public
liability insurance covers costs including compensation, associated
medical bills, loss of income, repairs and business disruption.
Public liability can be tailored to your business needs too and if you're unsure which insurance is appropriate for you, speak to OnSite Insurance, who are experts in public liability, employer's liability and contractor's insurance. Let's have a closer look at why it is important to get this type insurance.
Protect your customers
Public liability insurance protects you if you come into contact with the public on your premises or elsewhere. Ask yourself 'Do customers visit my property daily?' Perhaps you're a shop owner or run a café? If the answer is yes to any of these, then you will need to be covered with public liability insurance. On the flip side, if you're out and about meeting your clients either at their home or somewhere else, again public liability insurance is a must.
What it covers
Typically, Public liability insurance covers invitees, licensees and trespassers. This translates to customers who come onto your premises, when you go out to meet your clients and those who come onto your site uninvited. Should an accident happen, you will be covered by public liability insurance therefore, it is critical you take a policy out straightaway. It will give you confidence in carrying out your day-to-day business without having to worry if the worst happens. It's also worth bearing in mind, you need to take separate insurance out for employees. OnSIte Insurance, who serve Wombourne, Wolverhampton and the West Midlands, can assist you in taking out employer's liability insurance too.
Prerequisite for some contracts
Although public liability insurance is not required by law, it's fast becoming mandatory for contracts, especially those in the public sector. Some public sector contracts even outline the amount of public liability your insurance needs to cover, which could be as much as several million pounds. It's worth remembering membership associations and industry regulators also require public liability insurance. You can always check with a reputable insurance company which insurance is suited and required for your business. Experts at OnSite insurance are always on hand to answer any of your queries relates to public liability, employers liability or contractors insurance. Public liability insurance could be crucial for your company giving you the peace of mind you need so you can focus on the running of the business.
Get a quote today
From employer’s liability insurance to plant insurance, commercial insurance experts at OnSite Insurance will be able to assist with your individual requirements. Based in Wombourne, we can easily cover Wolverhampton and areas throughout the West Midlands, and indeed the whole of the UK. Don’t delay and call us today on 01902 324 194 or email us at customerservice@onsiteinsurance.co.uk for a quote.
