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What does Public Liability protect you from?

24/7/2017

1 Comment

 

Public Liability Insurance

Public Liability (PL) insurance is essential for any public facing business. If anyone suffers an injury or property damage as  a result of your businesses activities a well structured PL premium should provide protection against you and your business.

For example, you may have a gourmet deli and a customer had knocked over a bottle of water. Before you have a chance to clean it up another customer cuts themselves on the glass or slips over on the water. This customer may decide to sue you have damages as a result, these damages can often be much higher than you would originally anticipate. For example it can include the medical bills, loss of earning, emotional distress etc.

Your PL cover should explicitly cover:
  • Are contracts covered as well as employees
  • Level of cover
  • Who, what, how  and when are those within the business and the public covered
  • Legal, medical and property damage to be covered
  • Emotional distress coverage
  • Listing of all key people within the policy
  • Any damage cause by your business products or services

A simple PL premium is often more complicated than it looks, have one of the BGI experts ensure a policy is provided that matches the risk profile of you business.

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Public Liability
1 Comment
scott adams link
9/2/2018 12:32:14 pm

I like that you talked about how liability insurance can save you from lawsuit expenses in the future. I have been thinking about starting a business sometime in the future. I can see how it would be smart to have liability insurance because you never know when an accident might happen.

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  • Home
  • Insurance
    • Business >
      • Business Insurance
      • Audit Insurance
      • Public & Products Liability
      • Industrial Special Risks
      • Construction Insurance
      • Marine Cargo Insurance
      • Motor Fleet Insurance
      • Workers Compensation
      • Information Technology
      • Commercial Strata
      • Truck Insurance
      • Corporate Travel
      • Trades Insurance
      • Farm Insurance
      • Rural Insurance
      • Office Insurance
    • Professional Lines >
      • Professional Indemnity
      • Directors and Officers
      • Management Liability
      • Employment Practices
    • Domestic/Personal >
      • Home Insurance
      • Contents Insurance
      • Landlord Insurance
      • Personal Valuables
      • Residential Strata
      • Motor Vehicle Insurance
      • Travel Insurance
      • Personal Accident and Illness
    • Claims
  • About
  • Blog
  • Our Partners
  • Contact
  • Quick Quote