It’s important to understand the difference between Professional Indemnity and Public Liability insurance as the two types of cover can often cause confusion. Whilst both covers protect your business against legal action they offer different forms of protection.

Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Having Public Liability insurance gives you peace of mind against potentially stressful, time-consuming and costly legal claims.

No matter how big or small your business is, accidents can and do happen. Public Liability insurance* provides peace of mind for claims for third party property damage or personal injury. If you deal with people in any capacity from clients to suppliers and members of the public, then Public Liability insurance is an important form of protection worth considering.

Chances are you’ve probably heard of both Public Liability insurance* and Professional Indemnity insurance*, and while both provide a form of cover for your business, they are very different in what they protect your businesses from.

As a plumber you are faced with different challenges every day, one minute you’re fixing a burst pipe, next you‘re unplugging a drain, no two days are ever the same! While you are busy looking after your client‘s plumbing problems, take the time to consider protecting your plumbing business with the right kinds of business insurance. When there’s an overflow of unplanned issues like a claim from a customer, Public Liability insurance* could help save the day!

There’s a great deal of responsibility that goes into being an accountant, getting the numbers right and helping your client’s balance their books. Not only do you have the responsibility to deliver the goods, but you also have a professional responsibility when it comes to ensuring you have the appropriate types of insurances in place, like Public Liability insurance*.

As a plumber you are faced with different challenges every day, one minute you’re fixing a burst pipe, next you‘re unplugging a drain, no two days are ever the same! While you are busy looking after your client‘s plumbing problems, take the time to consider protecting your plumbing business. When there’s an overflow of unplanned issues like a claim from a customer, Public Liability insurance could help save the day!

If you’re a sole trader or small business owner, protecting your business and your customers with Public Liability insurance is one of the most important aspects. It offers protection should a customer, supplier, or even member of the public, sue your business for damage to their property. And whilst you probably take every care not to damage their property, it doesn’t mean you won’t be found negligent should an unwanted accident occur, or someone attempts to make a claim against you. As cliché as it sounds, accidents happen. If you don’t have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially cripple your business.

There is a whole host of things to think about when you work for yourself as an engineer, and while you might have heard of different types of engineering insurances, our guide is keeps it simple on all things Public Liability insurance* for engineers.

So, you’ve got Public Liability cover… Is that enough?