Why Have A Public Liability Insurance In Place?

Who Will Need Such Insurance?

For Business that have visited suppliers or clients even if the venture is being run at home, public liability insurance is indeed a must. Apart from that, if your company will work at a customer's property or premises, you will most likewise be liable for damages or injuries that can arise from your work. A public liability policy in place is not a legal requirement; however, some professionals will indeed need to have one in order to trade.

Basically, when you own a shop, office or pub, work in the plumbing trade or any of the trades which require you to enter a client's premises, you must seriously consider taking out public liability insurance in order to make sure that you are covered in case there is a claim.

So How Does It Work?

Well, this is actually better explained through an example. Imagine you are the owner of a small shop, and one of your employees plugs in a vacuum cleaner and runs the cable along the floor, and over to the carpet in the corner. A customer walk into the shop, trips over the cable and then breaks their ankle. In this situation, the injured customer would have the right to file a complaint to the shop since the accidents was caused as a direct result of your business activities and negligence.