Public Liability Insurance in Europe

Public liability insurance is a type of business insurance that protects your company if someone from the public gets injured, dies or has their property damaged because of your business activities. It covers legal costs, compensation and the cost of fixing or replacing damaged items.

Key Features and Coverage:

What It Covers:
Public liability insurance protects your business from claims that happen both at your workplace and elsewhere.

Financial Help:
It covers the costs of legal fees, settlements, and other expenses if someone makes a claim against your business.

Required by Others:
Some clients, landlords, or partners may ask you to have this insurance before working with you.

Different for Each Business:
The coverage can change depending on what your business does and the risks involved.

Public Liability Insurance Cover

Public liability insurance protects your business if a customer or someone from the public gets accidentally hurt or their property is damaged because of your business. It helps cover the costs if you have to pay for injuries, damage or legal fees.

Covered:

You’re covered for legal costs up to £1 million if someone claims they were accidentally injured, their property was damaged, or they were wrongfully arrested because of your business.

It also covers legal costs related to:

• Breaking health and safety, consumer protection, or food safety laws

• Investigations into serious charges like manslaughter or corporate homicide

Not Covered:

Personal Injury:
If you get injured while doing your business activities or because of someone else, public liability insurance won’t cover it. You should get health insurance for this protection.

Employee Claims:
If your employees get hurt or sick because of their work, public liability insurance won’t cover the costs. You need an employers' liability policy to cover this.

Your Own Property and Equipment:
If your own property or equipment gets damaged during your business activities, public liability insurance won’t pay for repairs or replacements. You should get tools and equipment cover for this.

FAQs