Whether it is for a contractual obligation, job site requirement or complying with lease terms – accidents can happy at any time of day in any industry & you want to make sure that your business is protected in case the unforeseen happens and someone expects you to cover the cost of injuries or damages caused and potentially costly legal fees.
Public Liability Insurance protects your business if a customer, supplier or member of the public is injured or sustains property damage as a result of your negligent business activities.
Small business owners have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.
Most Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage.
Even the most careful businesses run the risk of injuring someone or damaging something during the course of their operations.
Chances are like many other small businesses, if you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees (including defence costs) could potentially send you out of business. That’s why you should consider Public Liability insurance to provide the financial protection your business deserves.