Public liability insurance protects you if a third party is injured or if their property is damaged as a result of your business activities.

Common examples include:

• A client tripping over equipment at your premises
• A visitor being injured on a job site
• Damage to a client’s property while carrying out work

The policy also covers legal costs involved in defending a claim, even if you are not found legally at fault. This can include legal representation, investigation costs, and settlement expenses.

Public liability insurance is essential for businesses that interact with clients, contractors, or members of the public in any capacity.

Contact us if you’d like help confirming what is included in your policy or tailoring your cover to suit the risks your business faces.