Public Liability

If your business involves members of the public coming onto your premises or, you go to theirs then you should have public liability insurance.

Public liability insurance protects you in the event that a member of the public sues you because they have sustained either a personal injury or damage to their property caused by your negligence or business negligence ie: a negligent employee. It also covers any related legal fees, costs and expenses.

Your premium will depend upon the type of business you run, your turnover and the number of employees you have. To see how you can lower your risk exposure to help reduce your premiums click here

As with much insurance there are many conditions, exclusions and warranties that can be applied to public liability policies. Heritage Insurance have the expertise to discuss your needs and obtain the best quote possible for your business exposure.

If you work from home, and customers or members of the public visit you there then it is sensible to invest in public liability insurance, Heritage have access to premium rates specific to businesses that run from home.

You may find that many of your customers or potential customers require proof of adequate public liability insurance before they will allow you to work for them. Your business will be well prepared for new business opportunities if you already have the necessary liability covers.

Premiums from £250.00