Public Liability Insurance
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Public liability insurance should be held by any sole trader, partnership or company that has potential exposure to property damage or personal injury. You need this cover if there is any chance that your business could lead to damage or injury. Public liability insurance is not a legal requirement like employers liability, but it is mandatory in most cases for many businesses. This is especially true for the building and construction industry, where most subcontractors will be required to show evidence of their insurance policy before they are allowed onto the work site.
The amount covered by your public liability insurance policy is determined by the needs of your business – we tailor all of our quotes towards each individual client. The general levels of cover are £1 million, £2 million and £5 million. Most sole traders and small business owners opt for our £1 million cover, but this may change based on your circumstances. For example, people working for the local government, shopping centres and large commercial buildings will often have contracts stating that a higher level of cover is required.
Our public liability insurance covers you for negligence, but you are still required to take responsibility for your actions and act in a professional way. Most businesses operate properly and professionally, but mistakes can happen, which is why public liability insurance is required.
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