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When you run a business you want to make sure you’re protected against public liability claims.

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A Guide to Public liability insurance

Types of incidents that can result in a public liability claim

Depending on the type of business you run, you might think that a public liability claim isn’t very likely. However there are quite a lot of incidents that might occur that could easily result in a liability claim being filed against your business.

Some of the incidents that could result in a public liability claim include:

• Slips – If somebody slipped on a spill inside your premises that wasn’t clearly marked then it could easily result in a liability claim if they were injured as a result, particularly if they had to miss work because of the injury.
• Road accidents – If your business makes use of vehicles then road accidents can very easily result in liability claims, particularly if the accident was due to negligence on the part of one of your drivers.
• Injuries involving food/drink – If you run an establishment that serves food and drink then there are a few scenarios that could lead to a liability claim being filed against you. For example if a hot drink was accidentally spilled on a customer by one of your staff and they were scalded. Another example might be if a customer with a particularly allergy was served food that they were not supposed to be, which resulted in a severe allergic reaction.
• Damaged property – If a person’s property was damaged because of your business then a liability claim would almost certainly follow.

Cutting down the risk of public liability claims

• Make your premises safe – If you have a business premises then you should take any steps necessary to ensure that it’s safe. Think about any ways that a customer might be injure themselves in your premises where you’d be liable. If you have a coffee machine in your premises for example and it’s stopped working, then remove it immediately until it’s fixed. Also make sure that you have signs to put out in the case of a spill.
• Train your employees well – If you run a business in or around the public then it’s vital to make sure your staff are well-trained in order to avoid any incidents that might result in a liability claim. his is particularly true for businesses that rely on employees that require a high level of skill/experience i.e. truck drivers, mechanics, tradesmen etc. Having well-trained staff will certainly help to reduce the likelihood of a liability claim being filed against your business.

Saving money on public liability insurance

• Hire good staff – Hiring skilled and experienced staff is certainly a good way to reduce the cost of public liability insurance. This is especially true in driving industries, where things like age, experience and claims history are taken into account by insurance providers.
• Increase excess – Excess is the amount that you’d pay if you had to make a claim on your policy. By increasing your excess you can reduce your monthly payments quite considerably depending on how much you choose to increase it by. Of course there is risk involved here since you’d lose the initial benefit if/when you make a claim.
• Pay annually – If you are able to pay for your public liability insurance on an annual basis as opposed to monthly payments then most insurance providers will give you a significant discount for paying like this. Although you pay more upfront, you will make a good overall saving on the policy’s cost.
• Shop around – Getting quotes from a lot of different insurance providers is one of the best ways to save money on public liability insurance. This is because it prevents you from overspending on a policy that you could’ve gotten cheaper elsewhere. The great news is that getting public liability insurance quotes is now easier than ever.

Get public liability insurance quotes now

If you want to get public liability insurance quotes from a panel of expert providers then you’re in the right place. The price comparison service can help you find the right policy for your business. Simply click the green button below and you can have your quotes within a matter of minutes.

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