It can be a common perception that public liability insurance is not an absolute necessity, and, in these tough times, it is not always seen as a priority to get all the different forms of insurance.
However, in reality, public liability insurance could cover a business against extremely expensive third party claims of loss or damage that would otherwise need to be paid by the company.
Mandeep Kaler, who is in charge of online operations at Constructaquote.com, stated:
“Public liability insurance covers a business against accidents which as we all know can happen to anyone no matter how well prepared they are. Companies of all sizes need to protect themselves, otherwise one accident could cause them to cease trading.”
The following are a few real life examples of the types of claims that could seriously impact a business should it not have the appropriate cover in place:
Case Study 1: A toddler fell and cut her chin while walking in the grounds of a hotel. The child was left with a scar and medical evidence showed that the scar would take some time to fade. The hotel was sued for £4,000 but settled out of court for an amount in the region of £2,500.
Case Study 2: A member of public tripped over loose carpeting. After a lengthy legal process, the claimant was awarded £115,000.
From the above mentioned examples, it is evident that public liability insurance is of utmost importance for any business organisation, especially in the current economic environment. Business owners should be aware that public liability can also be sold with employers' liability insurance, which offers protection in the event that a worker suffers an accident and is compulsory for UK firms with employees.
Contact Information
Mandeep Kaler
Online Marketing Executive
Constructaquote.com
Barclay House, Pontygwindy Road, Caerphilly, CF83 2WJ
Tel: 02920 808 977 E-mail: info@constructaquote.com
About Constructaquote.com:
The types of business insurance available via Constructaquote.com include public liability insurance, employers’ liability insurance, professional indemnity insurance, shop insurance, and van insurance.


