• What is Public Liability Insurance?

    Accidents can happen in any business environment, and without protection, your business could face serious financial risk from claims. Public liability insurance ensures that you’re financially protected if someone is hurt, becomes ill or if their property is damaged due to your business operations. Whether it’s a slip on a wet floor in a shop, damage to a client’s property during a service, or an injury from equipment at your premises, this insurance provides peace of mind and financial protection to help cover the costs of any compensation claims and legal fees.

    What does public liability insurance cover?

    Public liability insurance covers several common risks, including:

    • Third-party injuries: If a customer or visitor is injured on your premises or due to your business activities.
    • Property damage: If you or an employee accidentally damages someone else’s property during the course of your work.
    • Legal costs: It also covers the legal expenses associated with defending your business if a claim is made against you.

    At Acer Insurance, we understand that every business is unique. That’s why we ensure we find a level of cover appropriate to your specific needs, ensuring you have comprehensive cover for your business.

    Do I need public liability insurance?

    While having this type of insurance is not a legal requirement, you may find that some of your customers expect you to have public liability insurance before committing to do business with you. So, it should be a serious consideration if your business provides a service or undertakes a trade; or if you interact with the public, in any way, as a company or sole trader.

    If you’re not sure whether you need this insurance or not, our experienced team are here to provide you with information on your options and support you to ensure that you are suitably protected against legal claims.

    How much public liability insurance do I need?

    Every business is different, and therefore the level of cover required can vary from business to business depending on the risks that you need protection against. But don’t worry, we’ll help you navigate the options available and will help you determine the level of your cover to fit your business needs.

    Does public liability insurance cover employees?

    Public liability insurance doesn’t cover employees. It only offers you protection against claims made by third parties. If you’re looking for protection to cover employees, then you’ll need employers’ liability insurance.

    Why choose Acer Insurance for Public Liability Insurance?

    Acer Insurance is an established independent insurance broker, we have been arranging both personal and commercial insurance policies for more than 25 years. Our insurance brokers apply their market knowledge to find cost-effective solutions tailored to your specific insurance needs. We excel at finding innovative answers for unusual, challenging and unique insurance requirements. Expertise, integrity and personal service underpin everything we do.

    Contact us for a quote today

    Call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.