Public Liability Insurance
Caunce O’Hara offer a range of business liability insurance policies, including employer’s liability insurance and public liability insurance.
Public Liability (PL Insurance) covers you for the cost of a public liability claim from a third party, such as a member of the public (not an employee), that has suffered injury (or death) or property damage caused by you or your employees in the course of your businesses activities.
It can cover legal costs for defending claims and pay compensation awarded to a claimant if your business is found to be at fault, providing you with peace of mind that your business will be covered.
Example 1) If you visit client premises in the course of your work and accidentally spill coffee on their computer, they could seek compensation for the cost of repairs.
Example 2) If a visitor to your business premises trips on stairs due to a loose mat and suffers injury. Public liability insurance will then protect you for the cost of any damages claimed and legal costs for such a claim.
What does Public Liability Insurance cover?
- Legal expenses – Should a claim be made against you, cover will be provided to help with the cost of legal proceedings.
- Cost of repairs – The cost of repairing damage to the claimants property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
- Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
- Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.
Call 0161 833 2100 today for a free quotation.
Keeping your business covered
Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:
Business Insurance Products
In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:
Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
Call 0161 833 2100 today for details.
Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work. Call 0161 833 2100 today for details.
24 hour a day protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills. Cover from £50,000 for just £35 a month. Call 0161 833 2100 today for details.
Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business. Call 0161 833 2100 today for details.
Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for only £75 a year! Call 0161 833 2100 today for details.