Public Liability Insurance from Active

Public Liability Insurance

 Obtain an instant cheap public liability insurance quote online for most trades and professions. Instant cover for your business against claims arising from injury or damage to third party property.

Public liability cover even though it is not required by law is still an important insurance cover for most businesses to have especially where they or their employees have direct contact with the members of public. There are many online insurance companies and brokers that offer cheap online liability quotes and throughout this guide we will try to explain what to look out for.

Different types of commercial and business insurance policies

Most businesses have to take into many types of insurances into consideration, with public liability insurance forming just one component. If the business owns a commercial premise then the buildings should be insured, also if there are any business contents including fixtures and fittings again these should also be insured. If the business employs staff then the employers liability insurance becomes a legal requirement. If there are any motor vehicles again these must be insured and if your business has three or more vehicles then perhaps a business fleet insurance policy is ideal.

Businesses come in many forms and sizes, from a one man self employed builder to shop, office, restaurant, contractors. Whatever category your business falls under, it is critical that public liability insurance cover is in force if you are in contact with the members of the public.  

Exactly what is Public Liability Insurance?

This type of insurance cover costs resulting from a claim from a member of the public against your business due to injury or damage to their property as a result of your business activity.

With so many companies in the media offering a ‘no win, no fee’ service it is essential for any business that has contact with the public to have some form of public liability cover in place. Millions of pounds are paid out in compensation each year in public liability claims against all types of businesses. Some businesses that do not have the necessary cover in place have been forced to close due to costs of defending these claims.

More and more individuals and couples have starting running small businesses from their own homes. Again a public liability insurance policy is a must especially if the client comes to your home or you visit the client at their home. For businesses that are run from the home, a working from home policy is ideal, as this would combine the home insurance and the business insurance aspect into a single policy.

Public liability limits are normally available for £1million, £2million, £5million and £10million. Most businesses should suffice with a limit of £2million. How much the insurance costs you is based on many factors such as the type of business, number of employees, turnover etc. As an example a single person trading as a beautician the annual premium is usually less than £100 for a £1million public liability cover.

Getting Online Public Liability Insurance Quotes

The best way to get a quote is to search online for providers of business and liability insurance. Many brokers and insurers have online portals than can generate a quote in minutes. Some brokers have liability quote engines that will compare the market from numerous insurers and giving you the option of comparison from different liability insurance companies.

Active Insurance offers an online public liability insurance quote engine that will compare up to 8 different insurers for your business. Get an online quote today.