About Public Liability Insurance
If you’re a sole trader or business owner you have a responsibility to your customers, clients, suppliers, employees and the general public, if they suffer an injury or their property is damaged as a result of your business activities. Public Liability insurance is designed to protect you, your business and your employees against compensation awarded for negligence for personal injury or property damage, as well the legal costs of defending a claim.
The likelihood of a claim being made against you is unpredictable and just one incident, whether you’re found liable or not could be crippling to your business and can have a negative impact on your reputation. You need Public Liability insurance if your customers visit you or you go out and about to see them, either their premises, in public spaces, or places owned or controlled by others. You also need it if you manufacture or sell products.
