Public Liability Insurance for your business

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What is Public Liability Insurance?

Public liability insurance protects your business if a claim is made against you. As a main type of business insurance, public liability cover can cover you for a range of different things. This can cover compensation payments and legal costs if a member of the public sues your business because they have been injured or their property has been damaged. 

Even mild bruising caused by a slip or a little trip can lead to a ‘soft tissue injury’ compensation claim. Depending on the severity of the situation, costs can add up, including legal fees. These claims can eat into your business unless you have public liability insurance to cover you.

Our qualified insurance brokers

Our specialist Insurance brokers are here to help. Feel free to give them a ring to discuss your Public Liability Insurance policy options.

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.

What Public Liability Insurance cover is right for me?

As every business is different, public liability insurance has several different types of cover that can match your business needs. You should consider the level of risk that your business faces on a daily basis and choose what insurance policy you want to take out based on this. A few common claims are:

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.

As no business is the same and fits into any one risk category, it is our job here at Mortgages & Insurers to understand your industry and get to know your business model. That way we can find the cover that best protects your business and customers.

We work closely with a range of Insurers to ensure we find the right cover for you

What can Mortgages and Insurers Solutions do for you?

Here at Mortgages and Insurers Solutions, we want to ensure that our customers find the insurance cover that fits their life perfectly. It can be hard to navigate through lists of policies that providers supply, and it can be easy to take out a policy that is not relatable to your situation, yet still be paying for them.

To avoid any confusion, we take the time to understand our customers wants and needs and provide the best insurance cover based off of this. With exclusive deals and policies that we manage with our Insurance partners, we work hard to establish tailored insurance cover that would otherwise be difficult to find.

We are always on call to take any questions or queries and we are always here to help with any issues.


We look forward to hearing from you!

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