This is the most common type of coverage taken out by businesses. It offers valuable protection for both small and large enterprises, ensuring they are covered in the event that someone is injured by the business or third party property is damaged as a result of the operations. The insurance can save you from big fines and costs.

Public liability insurance is not a legal requirement for every business. It is essential if you interact with members of the public in any way though, including if they come into your office for a meeting or shop to make a purchase. It is vital to ensure you are clear when you should have it.

When you take out a policy you will need to give the insurer information about your business to ensure the coverage meets your needs. This is very important because policies can vary greatly in terms of value. Some businesses will choose public liability cover up to £1 million whereas others will need substantially more protection due to their size, scale, industry and sector.

It is never wise to assume you are safe without the cover in place. Even a small problem could result in big costs if you are uninsured.