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Do I need Public Liability Insurance cover?
Public liability is not a legal requirement however it is always better to be safe than sorry when it comes to your business. It is important to ask:
1. Does your business provide a service or undertake a trade?
2. Do you interact with the public in any way e.g. customers visiting the premise?
3. Do you work in public e.g. a builder where your work could potentially hurt a passerby?
If so, then this type of insurance will be important. If your business does have several clients, or if you interact with customers or suppliers, it is worth thinking about whether you could afford to meet the costs of a compensation claim if your business was to ever be sued.
This includes snagged carpets, broken doors and visible nails. As your business has a duty of care to its customers, it is always important to maintain your business area however accidents can still happen.
This can happen through the fault of another customer, such as a spilled drink, or could be caused by something else in the business.
This can include items being dropped or broken which could cause harm to customers in many ways. These type of accidents can happen at any time so it is always important to stay protected.