FAQ: Public Liabilty
Commercial Plan Insurance
Public Liability Insurance FAQs
- What is public liability insurance?
- How can I lower the cost of my Public Liability insurance?
- How is the cost of my Public & Product liability calculated?
- When would I need Public liability insurance?
- What does Public Liability Insurance Cover?
- Is Public Liability Insurance Compulsory?
- Do I need Public Liability Insurance if I work from home?
- Do I really need Public Liability Insurance?
What is public liability insurance?
Public liability insurance insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
How can I lower the cost of my Public Liability insurance?
The first thing you need to do is lower the amount of risk you present to the insurers. The safer your working environment and the fewer claims you have made, the lower your risk will be.
Next you need to start the time consuming job of shopping around. Fortunately Commercial Plan Insurance will do that part for you. At Commercial Plan Insurance we deal with several Public liability insurers. We will find you quality public liability insurance at low costs.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
How is the cost of my Public & Product liability calculated?
Public liability & Product insurerspremiums depend on the type of business you run, your turnover and the number of employees you have. For public and product liability insurancethe exposure risk is also based on factors such as whether you work away from your premises.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
When would I need Public liability insurance?
If members of the public or customers come to your premises or you go to theirs, you should think about taking out public liability insurance.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
What does Public Liability Insurance Cover?
Public liability insurancecovers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business.
It also covers any related legal fees, costs and expenses, as well as costs of hospital treatment (including ambulance costs) that the NHS may claim from you.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
Is Public Liability Insurance Compulsory?
While employers’ liability insurance is compulsory, public liability insuranceis generally voluntary. However some businesses, eg horse riding establishments, are required by law to have public liability cover. You will also find that many of your customers or potential customers require proof of adequate insurance before they will allow you to work for them.
At Commercial Plan Insurance public liability insurancecan be included as part of our package insurance policies as an optional extra. So if you don’t require the cover, you don’t have pay for it.
There are many conditions, exclusions and warranties that can be applied to public liability policies. It is important that you call Commercial Plan Insuranceon 0800 542 2742 for advice if you are still unsure in regards to any matter relating to your public liability insurance requirements.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
Do I need Public Liability Insurance if I work from home?
If you work from home, and customers or members of the public visit you there, you may also want to think about taking out Public Liability Insurance
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability Insurance Quote.
Do I really need Public Liability Insurance?
If you do not have public liability insurance you are be liable to pay the full amount of compensation required to settle any claim. Public liability claims can amount to huge sums of money.
Last year in the U.K. over £5 billion was paid out on public liability insuranceclaims. Failing to take out public liability insurance could put you out of business. With Commercial Plan Insurance’s cover starting from as little as £130 a year why take the risk.
Call Commercial Plan Insurancenow on 0800 542 2742 for your Low Cost Public Liability InsuranceQuote.