What Can I Claim Against Public Liability Insurance?

Public liability insurance provides coverage for a range of scenarios, including accidents, injuries, and property damage. It can also cover any legal fees and compensation that may need to be paid following a liability claim. In this guide, the experienced team at Tradesman Saver will explore the various types of claims that can be made against public liability insurance and the coverage it provides.

Key Takeaways

Public liability insurance offers coverage for a range of scenarios, including accidents, injuries, and property damage.Legal fees and compensation can also be covered under public liability insurance.It is important to understand the extent of your coverage to ensure your business is adequately protected.

What is Public Liability Insurance Cover?

Public liability insurance covers claims made against your business for accidental injury or damage caused to third-party property. It is important to understand the extent of your coverage to avoid any unnecessary financial burdens. At Tradesman Saver, we understand that accidents can happen at any time, which is why we provide public liability policy coverage to protect businesses from unexpected events.

The coverage provided by public liability insurance varies between policies, but typically includes incidents such as slips, trips, and falls, damage to third-party property, and injury caused to customers or members of the public in a public place. However, it’s important to note that public liability does not cover damage to your own property or employees.

When you take out a public liability insurance policy with Tradesman Saver, you will have access to our team of experts, who will guide you through the claims process if you need to make a claim. We know that an accident or injury can be stressful, so we aim to make the process as smooth and straightforward as possible.

Our liability insurance coverage starts from as little as £59 per year, providing peace of mind for you and your business. With Tradesman Saver, you can focus on running your business without worrying about the financial impact of an unexpected incident.

Examples of Public Liability Claims: Accidents and Injuries

As business owners, it is vital to consider the potential harm or injury that customers or members of the public may face while on our premises. Accidents can happen at any time, even with the best safety measures in place. This is where public liability insurance comes in.

ScenarioDescriptionSlips, trips, and fallsThese are some of the most common accidents that can occur on business premises, and they can cause significant harm to customers. Public liability insurance can help cover compensation costs and legal expenses in the event of a claim.Food poisoningIf customers fall ill due to food consumed on your premises, you could be held liable for any resulting medical expenses and compensation costs. Liability insurance can assist with these expenses and provide legal representation.

As business owners, it’s our responsibility to mitigate risks and provide a safe environment for our customers. However, accidents can still occur, and it’s important to have the right insurance coverage in place to protect our business.

Claim Against Public Liability Insurance for Property Damage

Property damage can happen unexpectedly, and many businesses are often not financially prepared for the costs that follow. For example, a plumber may accidentally damage a client’s expensive bathroom fixture while completing a repair, or a painter may spill paint on a customer’s furniture.

With public liability, however, businesses can rest assured that they are financially protected against such incidents. If you cause damage to someone else’s property while conducting your business activities, liability insurance can cover the costs of repairs or replacement.

Examples of Property Damage Claims  Costs Associated with Property Damage ClaimsBreaking a window while carrying out work on a building  Cost of repair or replacementSpilling paint on a customer’s furniture  Cost of cleaning or replacementCausing water damage to a client’s property while fixing a leak  Cost of repair or replacement

It is important for businesses to understand the extent of their coverage when it comes to property damage. Some public liability insurance policies may not cover certain types of damage, or may only cover damage up to a certain amount. By reviewing your policy and discussing any concerns with your insurance provider, you can ensure that you have the appropriate level of coverage in place.

Legal Expenses and Compensation Claims

It is also essential to consider the legal aspect of liability claims. In the event that a business is held liable for an incident, they may face legal expenses and compensation claims that can quickly add up.

Fortunately, public liability insurance can help mitigate these costs. Depending on the coverage, businesses can expect their insurance provider to cover the costs of legal representation and any compensation that may need to be paid to the claimant.

It’s important to note that businesses must ensure they have sufficient coverage to protect themselves in the event of a claim. For example, if a business is only covered up to £1 million, but a claim exceeds this amount, they will be responsible for paying the excess.

At Tradesman Saver, we offer comprehensive public liability coverage starting from as little as £59 per year, helping businesses protect themselves from potential financial burdens. With our coverage, businesses can rest assured that they are well-prepared for any unforeseen incidents that may arise.

What are the Different Types of Public Liability Insurance?

Liability insurance comes in many forms, offering coverage for a range of potential scenarios and protects against claims made by members of the public. While public liability itself is a general coverage, it can be paired with a range of different business insurance policies, including employer’s liability insurance,  product liability insurance, and professional indemnity insurance.

Each type of liability insurance covers different risks associated with your business operations and products, helping to ensure you are fully protected against potential third-party claims.

At Tradesman Saver, we understand that no two businesses are the same – this is why we offer bespoke public liability packages tailored to meet the specific needs. Whether you’re a roofer, a sparky, or any other type of tradesperson in the UK, we may be able to provide an affordable, comprehensive type of insurance to keep you protected.

Looking to Protect Your Business, Reputation, Customers & the General Public? Make Sure it’s Tradesman Saver

At Tradesman Saver, we understand the importance of protecting your business from unexpected incidents. Public liability insurance offers the financial protection and peace of mind that businesses need when things go wrong. With coverage starting from as little as £59 per year, Tradesman Saver offers comprehensive insurance that covers a range of incidents including accidents, injuries, and property damage.

We hope this article has helped you understand the types of claims that can be made against public liability insurance and the coverage it offers. By having the right insurance in place, your business can avoid potential financial burdens and ensure you are well-prepared for any unforeseen incidents.

Remember, accidents can happen to anyone, and it is crucial to have the right protection in place. Contact Tradesman Saver today to find out more about our public liability insurance coverage and how we can help safeguard your business.