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Public liability insurance, whilst considered essential, is not compulsory by law for most business owners.

However, whilst you may not be legally obliged to have a policy in place, if you do not, you face the possibility of being left unprotected should a claim be made against you. Therefore it is vital that you understand how beneficial having a policy can be.

If a member of the public were to make a claim against you because your business operations had caused damage to them or their belongings or property, the cost of the claim could escalate to tens of thousands of pounds or more.

Public liability insurance is something to consider if:

1.You invite members of the public, clients or customers to your own premises, whether this is a dedicated site for your work or your home, used for business.

2.You carry out your work off-site at other people’s homes or businesses or you hold events in public places.

3.You are looking to take on more work and bigger contracts from governmental and public organisations.

If you own a horse riding business or stables, then you are legally obligated to have a public liability insurance policy. The high risk of accident and injury in this industry makes it crucial in protecting both riders and visitors.

Smart business people insure with Constructaquote.com

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