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What is public liability insurance?

From customers and visitors to members of the general public, a vast range of external people visit and interact with your business, your premises and your assets on a daily basis. Public liability insurance can help to cover any costs incurred as a result of loss or damage to either a person or their property, where the incident in question is deemed to be the fault of your business.

Furthermore, public liability insurance can extend to cover you and your people when visiting other premises. If you or your people are deemed liable for an accident elsewhere, that harms people or damages property, a public liability insurance policy can be sourced that covers this.

Why is public liability insurance important?

Whichever industry you operate in and whatever your workplace looks like, a trip, fall or accident can happen anywhere. If your business is judged to be liable for loss or injury caused by an accident in your workplace to a member of the public, a legal claim can be made against you to pay for the damage caused.

Not having public liability cover can leave your company liable to pay certain expenses out of your own pocket, including:

  • Damages payments for the affected people(s)
  • Medical bills
  • Costs of repairing or replacing affected property
  • Legal fees

NFP are a cyber insurance partner you can trust

Our cyber security professionals stay ahead of the latest trends and threats, and our network of diverse risk professionals ensure that we provide holistic, forward-thinking solutions. The result is a tailored cyber insurance solution that is best suited to your business needs and goals.

Listen to your needs

We will take the time to listen to and understand your insurance needs, no matter how routine or complex, and help to deliver cover that aligns best with what you’re looking for. 

Understand your goals

At NFP, we understand the complexities presented by the cybersecurity space and that you will have your own specific goals and aspirations. Our team are here to design a fully integrated approach to risk management with your goals in mind. 

Create better outcomes

We’re serious about delivering on our promise to you. Whether you experience a lost laptop or a full-blown ransomware attack, our claims team will be here to help you achieve a fast, stress-free resolution to even the most complex cyber insurance claim or incident.

Who can we support with public liability insurance?

Regardless of the type, size or industry you operate in, we can look to source public liability insurance cover for your business.

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Maybe a customer trips on some loose carpet in your shop and breaks their arm. You could be deemed liable for the loose carpet and therefore at fault for the injury, leaving you responsible for paying any damages, medical bills and/or legal fees. Without cover, considerable costs of this nature could threaten the growth of an SME.

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Large corporations

As a larger business, you may have more footfall which could mean more opportunities for incidents to happen. Unforeseen accidents can happen in any workplace, regardless of size. We can source cover that helps to ensure you are proactively covered, should the unexpected happen.

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