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Public liability is designed to protect your business against claims made by members of the public due to damages for which your company may be liable. Any business that operates in a public space or performs work at locations owned by third parties should consider taking out a liability policy.
Public liability will cover the cost of any compensation awarded to a claimant as a result of injury or property damage caused by you or a staff member. It typically will also cover the cost of legal representation as well as hospital bills and other medical transportation and care resulting from the claim. As the cost of both medical and legal expenses can escalate into the millions, most businesses are unable to cover these costs without the help of a public liability policy.
PLI does not apply to employees and staff members. To protect your business from such claims, a separate policy called employers' liability insurance is required. One of the common misconceptions regarding business insurance is that a single policy will cover the company against all claims. While many insurers offer package options that address all areas of risk, public liability insurance on its own does not cover the business in the event of a lawsuit brought by an employee.
Here are a few examples of situations where PLI will protect your business from claims:
Depending on the type of business you operate, you may be legally or contractually required to take out a certain amount of cover. In fact, many business will not deal with companies that do not have a specific level of protection in places. As such, insurers will offer a range of products, starting at the £1m mark, and rising in increments of up to £5m or £10m.
Most policy providers will recommend a specific level of cover designed to meet the needs of your business. If you have employees, and Employers' Liability Policy may be offered as a bundle. It is critical you consult the agent and address all areas of risk in order to protect your business from a claim.