Frequently Asked Questions about Public Liability insurance

Q. How does a business know how much cover is required?

A. The amount of cover is calculated by the insurer. They will take into consideration the history of the company, other claims that have been made within that particular industry, the number of people visiting the work place and the company turnover. From this information a premium will be produced which is the amount payable for one years cover, after this time a renewal is made if required.

Q. Is it possible to have public liability insurance covered by another insurance type?

A. Some insurers offer business packages which may provide cover for public liability. Before signing for any insurance product check what cover you already have. A simple telephone call to your current insurer is all that is needed.

Q. Is it compulsory to have public limited liability insurance?

A. Public liability insurance is not a compulsory requirement unless your business is within certain industries such as horse riding stables offering services to the public. However with over a billion pounds being paid in awards for public liability claims, it maybe well worth investing in it.

Q. Are my employees covered by public liability insurance?

A. Public Liability Insurance covers claims made against your business or your employees, unfortunately it does not provide cover for any injuries suffered by your employees. An insurance known as Employer’s Liability Insurance is a legal requirement for all businesses who employ staff and it is this product which provides cover for employees.

Guide Contents

Public Liability insurance
Finding the best Public Liability insurance
Frequently asked questions about Public Liability insurance
Where to get more help about Public Liability insurance

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