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Public Liabilty

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Public & Products Liability

In short, Public Liability Insurance covers your UK business against any third-party claim being made against you where you or an employee are deemed to have been negligent, causing either damage to a third party’s property or causing someone to suffer illness or injury.

Many UK business owners don’t take the time to explore what Public Liability Insurance is and whether they actually need it. However not having this insurance in place could potentially put your business at risk. Should the worst happen, and a claim was made against your business for tens of thousands of pounds; could you settle the claim without a Public Liability Insurance policy to help?

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What is Public Liability Insurance?

There are many common types of claim filed in the UK; slips and trips are amongst the most common accidents reported, which can often result in a claim against your Public Liability Insurance policy. Claims from people who are on a client’s premises are common too, for example; someone tripping over IT equipment, slipping on an unmarked spill or stock falling onto someone - the list is endless. A suitable insurance policy with the right level of cover is a must for any conscientious UK business.

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Is Public Liability Insurance compulsory in the UK?

Whilst this type of insurance isn't a legal requirement for most businesses, you should consider it to be essential if you engage with the public in any way whatsoever, even if you just have customers visiting your work premises. This is also applicable if you work from home and you meet clients there.

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CHAS Insurance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Conduct Authority Register www.fca.org.uk/register under reference 594605. Registered address: 20 Market Hill, Southam, Warwickshire, England, CV47 0HF. Registered in England and Wales 08299252 | CHAS Insurance do occasionally sell products that are not regulated by the FCA.

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Chas Insurance has been supplied data pertaining to Chas Members by the operators of the Contractors Health and Safety Assessment Scheme. We have no business connection with CHAS / the Contractors Health and Safety Assessment Scheme. CHAS / the Contractors Health and Safety Assessment Scheme receive no payments from Chas Insurance.