The importance of public liability insurance for small businesses and large companies alike is paramount, especially if you've only just started trading. You need to make sure you protect yourself and your company against damage to other people and their property. A public liability insurance policy is the solution.
At One Insurance Solution, our customers trust us to protect their businesses with the right insurance policy. From carpenters to hairdressers, manufacturers, teachers, traders and more, we can get you a great public liability quote at a sensible price.
We work tirelessly with a panel of the UK's best-loved insurers to offer you the best policy at the best price.
It's an insurance policy designed to protect you and your business from insurance claims made by the public. It’s recommended for anyone that has any interaction with the public during their work. Public liability also covers you against damage to other people’s property, or injuring a member of the public as a result of your business.
Products Liability (often part of Public Liability insurance), covers you if you refurbish, or repackage products you sell or supply. It can also extend to cover Employers Liability insurance, which is a legal requirement for any business that has employees.
Public liability is not meant to cover your own property or injury to yourself. It’s designed to cover damage to third parties only.
If you are a sole trader or you work for yourself, then injuries you sustain will need to be covered by a separate Personal Accident Insurance policy.
Damage or theft or your own tools, your stock, or your other contents is also not covered. However, this cover can be added as an extension on your policy.
If you have employees, it’s a legal requirement to have this insurance. It’s provided as part of a Public Liability product and covers claims made by employees. Find out more about Employers Liability.
Public Liability insurance should be tailored to you and your business. Insurance providers will want to know details about your business: what you’re selling, how many employees you have, where you’re based, etc. These factors will all have an effect on the final cost.
You should always aim to set up the right cover for you and your business. Using a broker you can rely on is a great way of getting the best policy and price.
If you have employees in your business, you are legally obliged to make sure they are protected with Employees Liability insurance. You can add this onto your Public Liability insurance.
Our Van Insurance can keep you and your van on the road no matter what life has in store. Our great features and optional extras can keep you safe and protected.
If you own a building used for any business, that you either rent out or operate from it yourself – we can help make sure it’s insured correctly and can be provided in a business insurance package.
If you give advice as part of your work, we can financially protect you for claims against your professional indemnity. Crucial cover for those in service industries, and professions who are paid for their advice and knowledge.