Public liability insurance is designed for businesses who interact with customers or members of the public.
It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your company’s operations.
In real terms, this means that if someone slips and falls on your business premises, or their property is damaged while you’re providing a service, they may take legal action against you or your business to recover their loss. Public liability insurance is designed to help protect your business depending on the policy you take out, covers incidents that occur in your workplace, as well as incidents at other locations.
Public liability insurance only covers claims made by external parties, not those made by your own employees. If you work with clients or customers, or in public spaces, it’s important to protect your business against claims of damage or injury. That’s why we often include public liability insurance in our industry-specific Business Insurance packages. These packages are tailored to meet the unique requirements of your industry. As well as public liability insurance, they may also include product liability insurance and professional indemnity insurance cover.
Who needs Public Liability Insurance?
Public liability insurance is recommended for any business that interacts in public places or has members of the public visit their premises (which includes any person that is not an employee). In every line of work, there’s always the potential for something to go wrong – and accidents do happen.
What does Public Liability Insurance typically cover?
Damages you’re legally responsible to pay, as decided by a court, as well as the other party’s costs, for damage to someone’s property and personal injury to a third party arising from your company’s operations or place of business.
Your legal costs are covered, subject to policy terms, even if a court decides you’re not responsible for the allegation.
Why choose Aon for Public Liability Insurance?
Aon is committed to making life easier for small and medium business owners with insurance that’s easy to understand, buy and manage. If you’re a small business owner, your job is anything but small, so when it comes to protecting your business with the right cover, it helps to have an expert on your side.