What is Public Liability Insurance?*

Public Liability insurance protects your business if a customer, supplier or member of the public is injured or sustains property damage as a result of your negligent business activities.  

Small business owners have a legal responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.  

Most Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage.  

Even the most careful businesses run the risk of injuring someone or damaging something during the course of their operations.  

Chances are like many other small businesses, if you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees (including defence costs) could potentially send you out of business. That’s why you should consider Public Liability insurance to provide the financial protection your business deserves.  

Do I really need Public Liability Insurance?

The short answer. Yes. The long answer. Absolutely yes. If you or your employees interact with other people while doing business in any way you should consider Public Liability insurance. For example:^ 

• Consultants/Contractors/ Tradespeople who work from home or visit their clients’ premises 
• Businesses that have an office, showroom, shop or any premises 
• All businesses that interact with customers or the public  

^Examples of business source from Know Risk article Public liability insurance for small business