What is public liability insurance?
It covers you if a member of the public makes a claim against you because they’ve had an accident, sustained an injury or have had their property damaged because of your business or any perceived negligence. Having public liability insurance isn’t a legal requirement unless you own certain businesses such as horse riding establishment; but if you deal with the public, then you should probably consider it. You may even find that the council for your area insists on it.
You might think someone having an accident on your premises is far-fetched and ‘it’ll never happen’ but accidents have a way of surprising you when you least expect them. Having public liability insurance means that you’ll be covered for any incident that happens on your premises such as if a customer tripped on a broken step, fell and broke their ankle.