Public liability Insurance

Public liability insurance from Tredstone

 

Public liability insurance provides a business with the means to meet the cost of compensation claims made by members of the public who have experienced some form of harm or loss as a result of an incident related to its activities, regardless of whether it occurs on premises or off-site.

 

Tredstone’s public liability cover ensures cover in the event a member of the public experiences any of the following:

 

  • Loss or destruction of property
  • Damage to property
  • Personal injury
  • Fatal injury

 

Even a relatively innocuous-seeming accident – for example, a slip or trip incident on your premises – has the potential to result a in six-figure claim for compensation, so the reality is that no business can afford to go without.

 

Who needs public liability cover?

 

Public liability insurance is not required by law, yet the practical reality is that it may be impossible to trade without it, particularly if you undertake any form of public sector or local authority contract work.

 

Although public liability cover does not cover accident, injury or loss caused to your employees – employers’ liability cover is the policy required for this – it does protect against claims from the following groups of people:

 

  • Customers
  • Clients
  • Visitors
  • People watching or taking part in events you have organised
  • General public who may be near your premises or project site

 

All businesses should consider having public liability insurance in place. However, the following would all be advised to ensure sufficient cover:

 

  • Builders
  • Cleaners
  • Electricians
  • Food businesses
  • Gardeners
  • Hairdressers
  • Landlords
  • Market traders
  • Personal trainers
  • Plumbers

 

This list is by no means exhaustive and anyone involved in public services or commercial business venture should explore the necessity for seeking adequate cover.

 

Get a quote with Tredstone

 

Tredstone is a business insurance specialist committed to providing quality cover at a competitive price. To get a public liability insurance quote with us today we simply need to know some details, including the nature of your business, the number of people you employ and your insurance claims history.

 

Whether you wish to update your cover, purchase a policy for a specific project or to discuss your insurance risk requirements, speak with our specialists today.