What is Public Liability and Do I need it?

Public Liability Northern Ireland: Public Liability is the most common type of insurance taken out by businesses and self-employed individuals. Many businesses, and self-employed individuals, decide that they need this type of insurance to protect them from crippling compensation costs and legal fees. It may also be required by clients (such as government or local authority) when fulfilling a contract.

Public liability is not a legal requirement however it is essential if member public or suppliers are interacting with your business  It provides cover for a wide range of situation but the most common type of claims are:

  • A member of the public, passer-by, suppler or delivery driver injures themselves on your premises
  • You cause damage to third party property when carrying out work

 

Even a small incident can lead to hefty fees/payout as you may be required to pay legal fees if it goes to court.

Our policies start for as little as £45 per year and can provide cover upto £10 million. You can also tailor the policy to suit your individual business needs by adding Employers Liability, stock cover, tools, equipment, contents and buildings.

Contact one of our advisers today on 02838 525006 for a competitive quote or else send us an email to vicky@absoluteprotectionni.com or kathy@absoluteprotectionni.com.  You can also find out more about us via our Facebook page.

Absolute Protection | Public Liability Northern Ireland