Menu

public liability insurance

You’ve insured your vehicle, protected your tools and your passengers, which means that your business is fully covered and you can operate with complete peace of mind, right? 

Possibly. If you have clients or customers on your premises, or are driving to places where there will be members of the public, you may also need public liability cover.

What is public liability insurance?

Public liability insurance covers you and your business if any loss, damage or injury is caused as a result of your business when carrying out work.

Who is it for? 

Any business that visits their clients or has clients visit them

Sole traders, freelancers and contractors

Limited companies and partnerships

When could it benefit you?

Whether you’re a business owner or contractor, the fact is you have a responsibility to ensure the safety of others, and that includes when you’re on the road, at your own premises or while working for a client.  Here are just some of the reasons why public liability cover can help protect you and your livelihood. 

  • If you damage a client’s property while out on a job, a meeting or on a business visit, public liability cover is designed to protect you and your business
  • Some clients may require you to have adequate public liability cover and without it, you could be at risk of losing a big contract
  • Few independent businesses could survive the costs of a compensation claim,  even a small accident could cause huge financial implications and possibly even bankruptcy 

How much cover should you consider? 

Many public liability polices offer cover from £1m to £10m depending on your needs, however the tricky part is deciding how much cover you really need. A good way to work this out is to take into account the following key factors: 

  • The level of cover you need depends on how much risk your business faces through its dealings and interactions with clients or members of the public
  • Also think about how much legal fees or compensation could cost you in the event of a claim
  • It’s worth checking if your clients’ contracts require you to have a minimum level of cover 

Remember no one knows van drivers, or their businesses, like Commercial Vehicle Direct. That’s why we work with our partner company, One Insurance Solution, who specialise in public liability insurance. They search the market on your behalf to ensure you have the cover you need at competitive prices, leaving you to concentrate on what’s most important – your business. 

Get in touch today – call One Insurance Solution on 0845 122 2708