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Peace of Mind With Public Liability Insurance

  • Adroit Insurance and Risk
  • January 14, 2015

Adroit risk adviser Sean Mackay looks at the scenarios in which you would need public liability insurance and why it’s a smart idea for all businesses.

Public liability insurance covers your potential liability to third parties for personal injury or property damage in the event that you or your business is found negligent.

Statute laws impose a ‘duty of care’ upon certain people, including employers, owners of property and suppliers of goods. If you are found to have breached your duty of care ,you may be liable for damages. Public liability insurance is available to individuals, businesses and non-commercial organisations.

It provides legal protection to a range of operations including home-based businesses, shopping centres, swimming pools, carnivals and fetes or event centres.

Public liability insurance will need to be considered depending on your type of business activities even if it is unlikely that someone will make a claim.

Without public liability, you may find yourself unable to afford the costs or the time associated with defending a claim or paying damages. In the event of a claim being made against you, public liability insurance will cover costs and expenses as well as any damages awarded to the injured party.

Premium costs for this type of cover are very much dependent on the type and size of the business and are very reasonable.

Make sure your year is free from worry about someone slipping on the floor in your place of business and get some cover arranged today.

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