Public & Product Liability Insurance

As a business owner, you know that accidents can happen at any time. Whether you’re dealing with a customer, a visitor, or a supplier, incidents on your premises or due to your activities can lead to expensive legal claims. Public Liability Insurance provides crucial protection against these risks, ensuring that your business is covered for any third-party injuries or property damage. At Robison & Co, we offer straightforward, tailored Public Liability Insurance policies designed to help you protect your business, your clients, and your reputation.

What is Public & Product Liability Insurance?

Public Liability Insurance is a type of business insurance that protects you if a third party is injured or their property is damaged due to your business activities. Whether you’re hosting clients in your office, working on a job site, or attending a business event, this insurance provides cover for legal and compensation costs arising from claims made against your business.

This insurance is essential for any business that interacts with the public or works on other people’s property, ensuring that you have the financial security to cover unexpected incidents.

Who Does Public & Product Liability Insurance Cover?

Public & Product Liability Insurance is designed for businesses that may face claims from third parties, such as customers, suppliers, or members of the public. It can cover a wide range of industries, including:

Retailers: If a customer is injured in your store or their property is damaged while in your care, public liability insurance ensures you’re protected.
Tradespeople: Builders, electricians, and plumbers benefit from cover in case a client is harmed or their property is damaged during the job.
Consultants and Professionals: Even in an office environment, accidents or mishaps can lead to claims. Public Liability Insurance covers the costs if a client or visitor is hurt or their property is damaged during your consultation or meetings.
Event Organisers: If you plan or host events, public liability insurance ensures you’re covered for any accidents involving guests or vendors.
Small Business Owners: From cafes to fitness studios, any business that interacts with the public can benefit from the peace of mind provided by this essential cover.
Complex Business: such as Manufacturing, Wholesale and Distribution.

What is Included in a Typical Public & Product Liability Insurance Policy?

Robison & Co Public Liability Insurance provides comprehensive protection to ensure your business is well covered in case of an accident or mishap. A typical policy includes:

Legal Costs

Covers the legal fees if your business faces a third-party lawsuit, including defence and settlement costs.

Compensation Payments

Pays for compensation to individuals who have been injured or whose property has been damaged due to your business activities.

Property Damage

Includes cover for damage caused to a third party’s property while you are working or operating your business.

Personal Injury

If someone is injured on your premises or during a business-related activity, public liability insurance helps cover medical costs and compensation claims.

Accidental Injury

Includes cover for injuries caused by accidents related to your business activities or products.

Public & Product Liability Insurance ensures that you won’t have to shoulder the financial burden of an unexpected accident or legal action

Why Choose Robison & Co?

At Robison & Co, we provide tailored Public & Product Liability Insurance policies that meet the unique needs of your business. Here’s why you should choose us:

Tailored Solutions: Our policies are designed to fit your specific industry and business needs, ensuring you get the right cover at the right price.
Trusted Expertise: With years of experience in the insurance industry, our knowledgeable team will guide you through the entire process, ensuring you are fully protected.
Affordable Cover: We believe in providing quality cover that doesn’t break the bank. We offer competitive pricing and flexible payment options.
Simple Claims Process: Should the unexpected happen, we make the claims process quick and straightforward, so you can focus on your business while we handle the rest.
Dedicated Support: Our team is always available to answer your questions and provide support whenever you need it.

Choosing Robison & Co gives you confidence knowing that your business is covered, no matter what happens.

Get a Quote Today

Don’t wait for the unexpected to happen, protect your business with Robison & Co Public Liability Insurance. Get a quote today and ensure that your business is covered for any third-party accidents or claims. Our team is here to answer any questions you have and provide a policy that’s right for your business.

Public & Product Liability Insurance FAQs

What is the difference between public liability and professional indemnity insurance?

Public Liability Insurance covers accidents and injuries involving third parties or property damage. Professional Indemnity Insurance protects you from claims related to your professional services, advice, or consultancy.

Do I need a public liability policy if I work from home?

Yes, if you have clients visiting your home office or you are interacting with the public in any way, Public Liability Insurance is important to cover any accidents or injuries that may occur.

Is public liability required by law?

Public Liability Insurance is not a legal requirement for most businesses, but it’s highly recommended, particularly for businesses that deal directly with the public. Certain sectors, such as construction or event planning, may have specific insurance requirements.

How do I know how much public liability insurance I need?

amount of cover you need will depend on the size and nature of your business. If you are unsure, our brokers can help assess your risks and recommend an appropriate level of cover.

Are my employees covered under public liability insurance?

No, Public Liability Insurance covers third parties (such as customers or visitors) but not employees. For employee-related incidents, you will need Employers Liability Insurance.