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With more and more people across the UK deciding to become their own boss, or work from home as an individual consultant or freelancer, the need for public liability insurance has become increasingly apparent. But where can you find the best public liability cover for you?
Public liability insurance covers small businesses or sole traders against claims of negligence should they injure a member of the public or damage their property in some way.
Liability claims can run into thousands of pounds, and with more ‘no win no fee’ services available than ever before, public liability insurance has never been more relevant. As well as paying a business’ legal fees in the event of a claim, public liability can cover other legal expenses incurred along the way.
Given the impact that a liability claim could have on the long term future of a business, it’s surprising that some trades still overlook this kind of cover. Public liability is actually appropriate for a wide range of businesses, from builders and decorators to shop owners and hairdressers. As a general rule, if you own a business that comes into regular contact with clients or customers, you should probably consider taking out this type of insurance.
That said, it is equally important that you get the policy that is right for your business. It is possible that you have little experience of liability claims and are unsure about the level of cover that is appropriate. You might also be unsure about how much you should be paying for your policy. Whatever your business, it is important that you find an insurance provider that is able to understand these requirements and can offer flexible levels of cover so you’re not paying over the odds.
Constructaquote.com is one insurer that can provide this level of service. It understands that every business is different, and offers flexible limits of business insurance accordingly. If you are a very small operation with little risk, you might consider £1 million of public liability cover. However, if your business is small to medium and carries more exposure, you could opt for Constructaqote.com’s £2 million or £5 million policies.
Another excellent feature of Constructaquote.com is that you can quickly compare public liability quotes from a number of top UK insurers. Simply enter your details once, either via their online form or over the phone, and you can easily compare business insurance quotes from recognised insurers such as Aviva, AXA, MMA, Groupama, and more. This ensures that you get a public liability insurance quote that is both tailored and at a great price.
