Everything you need to know about Public Liability Insurance

Here at Todd and Cue, we offer a range of SME insurance policies, including Public Liability Insurance. In this guide, you will find out all you need to know about public liability insurance, as well as how to get a quote and cover yourself today!

What is public liability insurance?

Simply, Public liability insurance provides cover against claims made by members of the public who have suffered injury or damage to property in connection with the business. If someone is injured or their property is damaged and you are found legally liable for that, it’s public liability that provides the cover your business needs to resolve a claim. It’s not a legal requirement to take out public liability insurance but it really should be seen as an essential business expense. Even if you work from home you may need it if customers or clients visit you there.

What does it cover?

A comprehensive public liability or product liability policy provides cover for claims of bodily injury or other physical injury, personal injury, advertising injury and property damage as a result of your products, premises, or operations. As a safeguard against liability, the policies allow you to continue your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing. Public Liability policies also provide cover for the cost to defend and settle claims.

Who needs it?

Every business could face an unexpected compensation claim at any time! Therefore, it is essential that every business take out a public liability cover of some sort. No matter the size or scale of the business, it is a vital form of insurance as assuming that you can do without public liability could have a significant impact on the financial health of your business.

Getting a quote

If you are looking to obtain a public liability quote then look no further than Todd and Cue. Our knowledgeable broking staff would be more than happy to assist you in offering you a reliable and cost-effective insurance cover quote. We guarantee to offer one of the best available public liability insurance covers currently on the insurance market!

What’s more, if you take out public liability insurance cover with us, our in-house claims team are dedicated to arranging a swift settlement should you even need to make a claim. We have also worked hard to make the claims process easier by developing our insurance claims app. Our app is designed to remove delays in reporting a liability claim and makes the process almost instant to act upon by enabling our clients to utilise their smartphone technology as soon as an incident arises.

Contact Todd and Cue for your public liability insurance!

We hope that you have enjoyed this informative article on public liability insurance. Todd and Cue strongly recommend that you this insurance to give you peace of mind over your business. If you have any other questions and queries regarding this form of insurance or wish to get a free quotation for this premium please do not hesitate to contact us 0191 482 0050 or email info@toddcue.com.

Todd & Cue has grown consistently over the years, primarily through client recommendation, to become one of the UK’s leading independent insurance brokers and risk managers. Total client focus, with excellence in all aspects of service coupled with our growing buying power ensures that you will receive competitive insurance premiums and a true value for money service resulting in a complete and cost effective package.

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