Public Liability Insurance (sometimes referred to as PL) is considered to be one of the more critical types of cover that businesses should think about having in place. This type of insurance protects against events that have resulted in the injury or death of a member of the public or have caused damage to their property.
While not mandatory by law, Public Liability Insurance is often a more common requirement for a tradesman. Working as a contractor or on specific jobs may mean you have to have this type of insurance - as well as being a sensible step to ensure business continuity.
While all sorts of safety measures are put in place to prevent accidents, unfortunately, they still happen. Public Liability Insurance will protect your business if you find yourself being hit with a compensation claim. The nature of work carried out by tradesmen can increase the likelihood of someone being injured or property becoming damaged, and you may be found to be legally liable for it.
Circumstances in an office, such as a customer slipping on a wet floor or even spilling water over a client's laptop, would be covered by Public Liability Insurance. If you're required to work on a client's property, the risks and potential cost of damages are higher - such as a fallen ladder or scaffolding.
Based on your business and the type of work you carry out, it's up to you to decide the level of insurance you need. At Rhino, we offer cover for £1M, £2M and £5M with additional options for multiple trades and activities. Our UK telephone support and instantly available cover means it's easy to find the policy that's right for you and your business.
It's important to note that Public Liability Insurance is intended to protect you from third-party claims, such as customers or clients. This type of insurance does not cover employees. If your business has one or more employees, you're legally required to have Employers' Liability Insurance in place, and this option is available as an extra on our PL policies.
Public Liability Insurance is beneficial for any business that comes into contact with the public in one form or another. Whether you're a sole trader or Ltd company, the impact of a claim on your business could be significant.
We're proud to offer some of the most competitive policies you can find, which are tailored to tradesmen. We cover hundreds of different trades and provide options that help tailor your policy for the hazards and risks often experienced in your sector.
If you'd like to learn more about our PL cover or any other types of insurance we have available, please get in touch or give us a call on 0116 243 7904.
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The question that often arises is: Is Public Liability Insurance a legal requirement for tradesmen in the UK?
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