PUBLIC LIABILITY

Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Most Public Liability policies cover you for incidents that occur on your business premises, but will also cover incidents that take place off-site, at events or activities organised or attended by your company or on site visits.

Public liability offers cover in the event of accidental bodily injury such as trips and slips as well as damage caused to property. 

PRODUCTS LIABILITY

Most Public liability insurance policies will also include Product Liability Insurance which is designed to cover the products either sold or manufactured by a company. 

Any product sold or even given away must be fit for purpose and you will be legally responsible for any damages or injury caused from a product you supply if it goes wrong.

In certain situations you may be liable even if you haven’t actually manufactured the product.

You can look to combine all of the above covers under a package policy generally known as Combined Liability.

COMBINED LIABILITY

Combined Liability will normally look to package your Public/Products and Employers liability cover under one premium and will be based on a number of factors including: 

• The nature of your business
• Your annual turnover
• The number of people you employ
• Your insurance claims history

You may also want to cover some or all of the following...

• BUILDINGS 
• CONTENTS 
• STOCK
• ALCOHOL
• LOSS OF LICENCE
• TOBACCO
• MONEY 
• BUSINESS INTERRUPTION
• TERRORISM
• GOODS IN TRANSIT

We can cover a vast array of shops including but not limited to:

• Bakery
• Delicatessan
• Sweet Shop
• Newsagents
• Grocers
• Hairdressers/Barbers
• Vape Shop
• Florist

The insurance you need depends on your business

If you employ staff then you will need Employers’ Liability cover

If you are in contact with members of the public you will need Public and Products Liability cover 

On many occasions you will want a Combined Package policy that will cover you for all of the above and more