5 Reasons Why You Need Public Liability Insurance for Your Business

Starting and running a business is not a walk in the park. It’s an endeavour that comes with many risks – both expected and unexpected – that are compounded when you don’t have the right protection in place. One of the best ways to brace yourself against these uncertainties is by taking out public liability insurance cover in manchester. This insurance cover will protect you from potentially crippling legal action if someone or something gets injured or damaged during your business operation.

What Does Public Liability Insurance Do?

Public liability insurance covers you against lawsuits, accidents and incidents involving members of the public. It’s one of the most important coverages that you need to protect your business in case something goes wrong. That’s why it is essential to take a public liability insurance cover before starting your business.

How Does It Cover Your Business?

Public liability insurance covers your business against claims of negligence or accidents. There are two types of public liability insurance, contract and non-contract. Contract public liability insurance is taken out by a business to cover the services they offer to their customers while non-contract public liability insurance is taken out by businesses who provide specialist services that do not come into contact with members of the general public.

Who Needs It?

Every business can benefit from public liability insurance cover. It protects you against legal costs incurred if someone is injured while they are on your premises, or if they are injured by a product that you sell. Without this insurance, you would be personally liable for these expenses and have to pay them yourself. This can be prohibitively expensive and so taking out public liability insurance is an important step in starting your own business.

Is Public Liability Insurance Compulsory?

Public liability insurance is not compulsory, just like professional indemnity insurance in liverpool,  but it is advisable to have a public liability insurance policy in place to protect your business from potential lawsuits and legal costs.

How Much Cover Do I Need?

The amount of cover you need will depend on a number of factors. The most important is the nature of your business. If you’re looking to start a restaurant, it’s likely that the public liability insurance required will be much higher than if you were opening an office-based service company. Similarly, if you have employees, you’ll need to take their salaries into account.


Public liability insurance can be a lifesaver if the worst should happen, so don’t take any risks when it comes to your business. If you’re not sure what cover you need or how much coverage you should have, contact a professional insurance broker for advice.

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