Why Have Public Liability Cover?

Guest post by Emma Paynter

In this day and age where health and safety is paramount, it is important for businesses to consider taking measures and precautions to protect themselves and the people that work for them through taking out public liability insurance.

Endsleigh offer a number of options for the needs of a one-man operation up to those of a business employing up to 10 people.

The terms of the insurance would cover the business if a customer or member of the public were to suffer from injury or loss as a result of the business’ activities for which they can put in a claim for compensation. The insurance will also cover any damage to personal property for which you are legally responsible.

Take for example; you are hired to fit kitchen cabinets and a mistake on your behalf results in faulty cabinets with doors coming unhinged and injuring the owner. Or, you are a landscape gardener and you have felled a tree, which has fallen and smashed a car windscreen.

The insurance you took out mean that the costs for repairing damage to the property, replacing possessions, compensation payments, legal expenses and medical bills will be covered.

Even though the business may aim to provide a service free from accidents, they do unfortunately happen. Endsleigh.co.uk suggests that being safe is better than being sorry, with the option of choosing £1,000,000, £2,000,000 or £5,000,000 worth of public and product liability insurance.

Endsleigh can also provide public liability cover for a number of occupations including; plumbers, electricians, carpenters, bricklayers, plasterers, landscape gardeners and a number of others.

With customers actively seeking to avoid rogue traders and dodgy workmen and most insisting that there is insurance in place before work can commence, it is most definitely an advantage to the business in being able to provide reassurance and peace of mind.