Public liability insurance is vital for any business, regardless of its size or industry. It helps to protect you from the cost of compensation claims and legal fees if someone suffers an injury, or their property is damaged, because of something your business does or fails to do. Simply Business is an online broker offering public liability insurance to businesses of all kinds.
Simply Business public liability insurance is designed to cover you in the event of a claim or legal action taken against you or your business due to injury, illness or death, and damage to property. It covers up to £5 million in legal costs, and if you’re found liable, can pay out compensation costs as well.
Who needs Simply Business Public Liability Insurance?
Simply Business public liability insurance is suitable for any business, from a small sole trader up to a large company. It’s particularly important for businesses that work with the public, such as tradespeople, retailers, and service providers. It’s also important for businesses who use third-party suppliers, as these suppliers may require you to have public liability insurance in place before they work with you.
What Does Simply Business Public Liability Insurance Cover?
Simply Business public liability insurance covers you and your business for injury, illness or death, and damage to property caused by your business. It covers the costs of legal defence and compensation if your business is found liable, up to the limit of your policy. It can cover legal costs such as the cost of hiring a solicitor or barrister, or the cost of hiring an expert witness to support your case.
Simply Business public liability insurance also covers the cost of any associated medical expenses, and the cost of replacing or repairing any damaged property. If you’re found liable, it can also cover any compensation payments you’re required to make. This can include compensation for loss of earnings or the cost of hiring someone to complete the job your business was unable to complete due to the accident or incident.
What Doesn’t Simply Business Public Liability Insurance Cover?
Simply Business public liability insurance does not cover any intentional damage caused by your business, or any damage caused by a deliberate act of negligence, recklessness, or fraud. It also does not cover any claims related to your business’s products or services, such as faulty workmanship or breach of contract. You’ll need to take out a separate product liability policy to cover these types of claims.
How Much Does Simply Business Public Liability Insurance Cost?
The cost of Simply Business public liability insurance depends on the size of your business and the level of cover you need. Generally, the larger your business and the higher the level of cover you require, the more expensive the policy will be. You can get a quote from Simply Business online in minutes.
How to Get Simply Business Public Liability Insurance?
Simply Business offers public liability insurance online, so you can get a quote and purchase a policy in minutes. All you need to do is provide some basic information about your business and the type of cover you need. Once you’ve purchased a policy, you’ll get an instant certificate of insurance, so you can start protecting your business right away.
Conclusion
Simply Business public liability insurance is a vital form of protection for your business. It covers you if someone suffers an injury, illness or death, or their property is damaged, because of something your business does or fails to do. It can cover up to £5 million in legal costs, and if you’re found liable, can pay out compensation costs as well. It’s easy to purchase online, so you can get the protection you need in minutes.