Find out what you need to know about public liability insurance

If you're a business owner, are self employed or work as a tradesman then you should really be familiar with public liability insurance and what it can do to keep you covered against unwanted and undesirable costs. Despite the fact that it is such an important cover, it seems that surprisingly few are familiar with the ins and outs of it, or why they should really give it serious consideration.

In a nutshell, public liability insurance will cover you or your business against claims made against you by a third party for any act of negligence on behalf of you or your company that resulted in the injury or illness of the person in question. Now, obviously it would be up to the accuser to prove not only that you or your company were at fault, but also that any injuries or illness claimed is real, but that doesn't mean that you shouldn't take precautions to protect yourself in such a situation.

It could be something as simple as a tradesman dropping a hammer on the foot of a member of the public while carrying out essential repairs to a building, and it could happen to anyone at any time which is why you should cover your livelihood with a public liability insurance policy.

Not only does such a policy cover you for illness or injury caused to a third party, but it also gives you the additional coverage should your actions result in the damage of a third party's property.

Like most insurance, we all hope that we'll never need it, but when your business or working life is at stake there is really no excuse not to have yourself well covered with public liability insurance, so ask your insurance company about it today.

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