Public liability insurance covers claims of injury or property damage by a member of the general public against your business. This could include customers, clients, suppliers or passers-by.
Public liability insurance can also cover the cost of your legal defence, compensation payments, and loss of income as a result of the claim.
PL insurance claims can be wide ranging, the most common examples demonstrate how PL insurance works and include the following:
While there are similarities between the two types of insurance, in that they are designed to protect the policyholder against legal claims made in the event of accidents or injury, public liability insurance covers against injury caused to third parties (or damage to their property) due to your negligence, whilst product liability insurance covers against injury caused by a product that you have supplied.
Product liability insurance protects businesses from legal costs associated with a personal injury or damages claim, caused by a product your business has manufactured or distributed. In tandem with public liability insurance, these policies protect your business in the course of dealing with members of the public. Our business combined liability insurance includes product liability insurance as an optional extra to enhance your business protection.
Employers’ liability insurance is a legal requirement for anyone employing staff and protects businesses from the cost of defending a claim against you from an employee who has suffered injury or disease as a result of the work they undertake for you.
You will need it if:
Caunce O’Hara offer public liability and employers’ liability insurance as part of a combined liabilities insurance package, with products liability as an optional extra. The policy also includes directors and officers liability insurance, portable equipment insurance, and cover for office contents.
Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.