Public liability INSURANCE
Why do you need public liability insurance?
Public liability insurance provides protection against your legal liability to third parties, following injury or property damage caused in the course of your business. Cover extends to both defence costs and awards.
- Protect your business
If you are found liable for injury or damage, the damages awarded could cause severe financial hardship.
- Protect yourself
Whether a slip or trip, inadvertently damaging another person’s property, or causing injury in some other way, Public liability insurance offers valuable protection.
- Excess costs
Whether you feel you are at fault or not, defending against a claim can still be expensive. Public liability insurance can help to cover the costs.
How our liability insurance experts can help
Whether arranged as part of a commercial combined insurance solution or placed in isolation, we have experience in arranging this cover for companies across most industries and of different sizes.
We can advise you on the level of cover you may need within the appropriate insurance package for you.
CONTACT YOUR NEAREST PUBLIC LIABILITY INSURANCE EXPERT
We have expert advisers all over the UK. To find help near you and learn more about Jelf in your business community, input your full postcode below.
Public liability insurance
Public liability insurance covers compensation payments and legal fees if you are found to be responsible for injuries to any third party or damage to their property. The person injured could be a client or customer, one of your suppliers, or just a passer-by.
Public liability covers you for your legal liability following accidents like:
- Slipping on a wet floor
- Spilling coffee on a client’s phone or computer
- Tripping over loose carpet
- Tripping over exposed wiring or cables
Public liability insurances tend to be available with cover limits from £2m upwards. In the event that you require limits of £10m or more, it is essential that you receive the right advice from experienced and qualified advisors.
Employers' Liability Insurance
Employers’ Liability Insurance is compulsory by law for most businesses. As an employer, you are responsible for the health and safety of any worker under a contract of service. If a worker suffers an injury or an illness that they believe is your fault, they may try to claim compensation from you.
Professional Indemnity Insurance
Whatever your needs, our team of professional indemnity insurance specialists can help cover you against the risks you and your business face. We understand that every business is different and we can recommend solutions to cover your business against a wide range of risks.
Frequently Asked Questions
The latest liability insurance articles
Most contractors will likely have the basic essential covers in place, but what are the gaps that could leave you exposed when it comes to a claim?
As a professional, when you offer to carry out a service you must be able to provide an adequate degree of skill, knowledge and experience to responsibly advise about the work you undertake.
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