Public Liability Insurance
What Is It?
Public Liability Cover should be considered if members of the public, clients or customers visit your premises. If you run a home-business, and customers sometimes visit you there, public liability cover might also be a good idea.
What does it cover?
Public Liability insurance will cover you if someone is accidentally injured by you or your business operation. It will also cover you if you damage third party property while on business. The cover should include any legal fees and expenses which result from any claim by a third party.
This type of insurance will only cover third party claims (i.e. not your own employees - you need Employers Liability Insurance for your own employees).
You should always ensure that your insurer knows what type of business you run, and you should always inform them if your circumstances change, as this may affect your policy.
Examples of Claims
1) You run a dry cleaning business.
A customer comes in to pick up some clothes, but trips up on a loose bit of flooring in your shop. Public liability insurance would cover your business if the customer claimed for injuries sustained as a result of the un-maintained floor.
2) You are a self-employed IT support technician.
Whilst at a customer's site, you accidentally knock over a cup of coffee, and the contents pour down the back of a computer, damaging it beyond repair. Public liability insurance would cover any claim from the customer.
How much cover do I need?
This will depend on the nature and size of your business operation. Many small businesses will have £1m cover - this may sound a lot, but if you suddenly have several claims against you, the costs can mount up.
Despite the seemingly large amount of cover, typical premiums are not high.
Public Liability Insurance
Event Public Liability Insurance
Dj Public Liability Insurance
Employers Liability Insurance
Self Employed Public Liability Insurance
Sports Public Liability Insurance
Professional Indemnity Insurance
News block
| 03/11/2010 11:51 AM |
| Pinera sworn in as new quake hits |
|
Sebastian Pinera is sworn in as president of quake-hit Chile, as a 7.2-magnitude aftershock strikes the centre of the country.
|
| 03/11/2010 09:32 AM |
| Greeks stage fresh general strike |
|
Greek public and transport services grind to a halt and clashes break out during a third strike over austerity measures.
|
| 03/11/2010 01:12 PM |
| Web censure 'curbs human rights' |
|
Freedom of expression on the web has been curtailed in 2009, the US state department says in its annual human rights report.
|
| 03/11/2010 07:19 AM |
| Biden tries to ease Mid-East row |
|
US Vice-President Joe Biden says Middle East peace talks must resume, despite a row over Israeli settlement plans.
|
| 03/11/2010 11:26 AM |
| Extradition over Auschwitz theft |
|
A Stockholm court rules a Swedish man can be extradited to Poland for trial over the theft of a sign from Auschwitz.
|
| 03/11/2010 09:03 AM |
| Iraq PM takes early lead in poll |
|
First results from Iraq's election show PM Nouri Maliki's grouping leading in two southern provinces, officials say.
|
| 03/11/2010 12:53 PM |
| Nigeria women protest at killings |
|
Hundreds of Nigerian women protest over last Sunday's violence near Jos, where many women and children were massacred.
|
| 03/11/2010 09:45 AM |
| Sri Lanka general trial date set |
|
Defeated Sri Lankan presidential candidate Gen Sarath Fonseka is to be put on military trial next week, officials say.
|
| 03/11/2010 10:52 AM |
| Pink Floyd win EMI court ruling |
|
Rock legends Pink Floyd win a court battle with record label EMI over online royalties and how their music is sold online.
|
| 03/11/2010 06:39 AM |
| Mexican tycoon shakes up world rich list |
|
Mexican Carlos Slim overtakes Bill Gates as the world's richest man, according to the Forbes "rich list", with a fortune of $53.5bn.
|
| 03/11/2010 06:08 AM |
| Scientists crack mystery of half-cock chicken |
|
Researchers in Edinburgh say they have solved the mystery of why some chickens hatch out half-male and half-female.
|
| 03/11/2010 11:29 AM |
| Live - Europa League |
|
Liverpool take on Lille before Fulham play Juventus in the last 16 of the Europa League.
|
| 03/11/2010 07:30 AM |
| Ferguson issues Rooney challenge |
|
Sir Alex Ferguson challenges Wayne Rooney to surpass Cristiano Ronaldo's 42-goal season for Manchester United.
|
| 03/09/2010 06:24 AM |
| Can US broker Middle East peace? |
|
Joe Biden is in the region to encourage talks between the Palestinians and Israel. What can be achieved?
|
| 09/29/2009 06:16 AM |
| BBC World News |
|
|
| 03/11/2010 10:59 AM |
| Between friends |
|
US and Israel dodge settlement confrontation
|
| 03/11/2010 11:47 AM |
| Net billionaires |
|
Who has profited from the web's biggest sites?
|
| 03/11/2010 05:22 AM |
| Parched island |
|
Politicians look away as Cyprus dies of drought
|
| 03/11/2010 07:06 AM |
| 'Jihad Jane' |
|
Profile of Colleen LaRose, charged with terror offences
|
| 03/11/2010 11:25 AM |
| Hoodwinked? |
|
Were rumours of Sarkozy's infidelity a media hoax?
|
| 03/11/2010 06:32 AM |
| Day in pictures |
|
Eye-catching images from around the world
|
| 03/11/2010 12:09 PM |
| Obama urges China action on yuan |
|
Barack Obama urges China to change its currency strategy, a move that would effectively raise the value of the yuan and benefit US exporters.
|
| 03/11/2010 12:02 PM |
| HSBC in huge Swiss data theft |
|
About 24,000 clients of HSBC's private banking operation in Switzerland had personal details stolen, the bank admits.
|
| 03/11/2010 01:23 PM |
| 'No decision yet' on BA strikes |
|
The union representing BA cabin crew says there will be no immediate announcement about strike dates.
|
| 03/11/2010 03:19 AM |
| 'Console killer' launches in June |
|
A gaming service that aims to kill off the traditional gaming console will begin streaming games over the net in June this year.
|
| 03/11/2010 11:20 AM |
| Telegraph poles to take broadband |
|
Virgin Media has begun trials of technology to deliver high-speed fibre-optic broadband over telegraph poles in the UK.
|
| 03/11/2010 08:34 AM |
| Tories pledge 'fastest broadband' |
|
The Conservatives say they will make Britain the first country in Europe to have widespread super-fast broadband.
|
| 03/11/2010 04:12 AM |
| Corey Haim was 'tormented soul' |
|
Lost Boys actor Corey Haim was a "tormented soul", his friend and fellow actor Corey Feldman says.
|
| 03/11/2010 04:02 AM |
| Taio Cruz scales Billboard chart |
|
RB star Taio Cruz sets the record for the biggest jump to the top of US Billboard Hot 100 for an act's first charting single.
|
| 03/10/2010 04:06 PM |
| Scientists to review climate body |
|
The UN secretary general asks the world's leading science academies to review the UN's climate science body.
|
| 03/11/2010 04:46 AM |
| Japan protest over tuna ban plan |
|
Japan voices opposition to a proposed ban on international trade in bluefin tuna, after the EU backs the plan.
|
| 03/10/2010 07:08 PM |
| GPs 'lax' on cholesterol targets |
|
Many lives could be saved if GPs followed guidelines for reducing cholesterol in those at high risk of heart disease, a study suggests.
|
| 03/11/2010 04:17 AM |
| Gambia row over wave of arrests |
|
An opposition leader criticises a wave of arrests in The Gambia, saying detainees do not know why they are being held.
|
| 03/11/2010 11:33 AM |
| Morocco warns religious groups |
|
Morocco warns against religious activists seeking to convert people - two days after expelling 20 Christians.
|
| 03/11/2010 04:42 AM |
| Lula criticised for Cuba comment |
|
Brazil's President Lula is criticised for comments that appear to compare Cuban dissidents on hunger strike to common criminals.
|
| 03/11/2010 03:30 AM |
| BP to explore for oil in Brazil |
|
Oil giant BP announces a $7bn (£4.7bn) deal that will allow it to begin exploring for oil off the coast of Brazil.
|
| 03/11/2010 10:25 AM |
| Burma annuls 1990 Suu Kyi poll win |
|
Burma's leaders formally annul the National League for Democracy's 1990 election win, as more details of new poll laws emerge.
|
| 03/11/2010 12:50 AM |
| Japan opens 98th national airport |
|
Japan opens an airport in Ibaraki offering just one flight a day, sparking criticism over wasteful public spending.
|
| 03/11/2010 10:11 AM |
| Ukraine president forms coalition |
|
Ukrainian President Viktor Yanukovych secures a coalition in parliament and one of his loyalists is confirmed as PM.
|
| 03/11/2010 12:48 PM |
| Ex-Bosnian leader 'owed apology' |
|
Britain should apologise to ex-Bosnian president for "mistreating" him in prison, says chairman of the joint presidency of Bosnia-Herzegovina.
|
| 03/11/2010 10:41 AM |
| Hamas releases British journalist |
|
Hamas releases a British journalist it had held for a month in Gaza, saying at a news conference that it suspects him of being a spy.
|
| 03/11/2010 06:12 AM |
| Deadly clashes in southern Yemen |
|
At least one person is killed in clashes between police and separatists in southern Yemen.
|
| 03/11/2010 08:47 AM |
| Afghan plea for 'no proxy wars' |
|
Afghanistan does not want other countries' "proxy wars" fought on its soil, President Hamid Karzai says in Islamabad.
|
| 03/11/2010 07:40 AM |
| Modi faces Gujarat riot questions |
|
The chief minister of India's Gujarat state, Narendra Modi, is summoned to appear before an inquiry into riots in 2002.
|
| 03/11/2010 01:09 PM |
| Four deny charges over expenses |
|
Three MPs and a peer tell a court they are not guilty of charges of false accounting in relation to their expenses claims.
|
| 03/11/2010 08:51 AM |
| High-speed rail plans announced |
|
Plans for a new high-speed rail line between London and Birmingham are announced by Transport Secretary Lord Adonis.
|
| 03/11/2010 01:02 PM |
| 'No giveaway Budget' says Darling |
|
The Chancellor Alistair Darling warns not to expect a "giveaway" when the Budget is announced later this month.
|
| 03/11/2010 11:57 AM |
| Crackdown call over school cheats |
|
A report into parents who cheat to get their child into a school calls for whistleblowing hotlines to be set up.
|
| 03/11/2010 09:56 AM |
| James Bulger's mother meets Straw |
|
Justice Secretary Jack Straw meets the mother of murdered toddler James Bulger to discuss the return to prison of one of her son's killers.
|
| 03/11/2010 10:18 AM |
| UK giving US control of Musa Qala |
|
UK forces are to hand security powers in the Afghan district of Musa Qala to US troops, the defence secretary says.
|
MVSEO, Search Engine Optimisation and Marketing