If members of the public or customers come to your premises or you go to theirs (including if you work from home), you should think about taking out public liability (PL) insurance.
What the insurance covers
PL insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you. Premiums are based on the type of business and are rated commonly on an estimate for the level of activity of the business. For most businesses, this will be turnover, although other factors may be used. For example, premiums for a hotel might be calculated on the number of beds provided to reflect the number of guests. Contact our friendly team for more information today.