Public Liability Insurance
Protecting you, your business and the public
Public Liability Covered
If you own a business of any kind, you should regularly assess the potential risks to the public that could arise from your business activities. Unlike employers’ liability insurance, public liability insurance is not a legal requirement but for certain professions, it is considered essential.
You may think that your business doesn’t impact on the public at all and therefore, you have no liability. But even mundane activities, such as inviting visitors to your premises or having the outside of your windows cleaned, carries some risk. Having appropriate cover is still advisable, even if you don’t operate a high-risk business.
How Can AiR Help?
AiR will listen to and consult with you from the beginning. We will always make expert recommendations based on your individual requirements and in your best interests. Having the correct public liability policy in place ensures you are covered in the event of accidental bodily injury such as trips and slips as well as damage caused to property.
For small businesses in particular, the nature of these incidents, although low in frequency, can often result in relatively high cost settlements, illustrating the value of ensuring the right policy is place.
Public liability insurance policies can also, when required, provide cover for the products businesses manufacture or sell. Even if a product is given away, it must still be deemed fit for purpose. If it is not, it is the business who will be legally responsible for any damages or injury caused from a defective product if something wrong. In an ever increasingly litigious society, having no or inadequate public liability insurance is not worth the business risk.
Talk to us
In the London & South East area? Contact us now to see how we can help you with your public liability insurance.