Public liability insurance is there if you, or your business, interacts in any way with the public. If so, you will need to obtain quality public liability insurance to protect you in case of a claim.
Accidents can happen and public liability insurance will protect you if a member of the public suffers a loss, or injury, as a result of dealing with you or your company.
Public liability can also include Products Liability for any products for make for sale.
Public liability insurance can be an incredibly complex subject and not something easily bought online. At Alan Boswell Group our experts will work with you exploring the exposures you and your business have. With many years experience of liability insurance we are able to explain the benefits and give specific examples of why this cover is essential for your business.
As insurance brokers we have access to a wide range of products, so we can provide you with the best solution for your business.
We use Alan Boswell for all our insurance. We moved away from them for one year as we managed to obtain a less expensive quote but found the new company a real pain to deal with.
Primarily public liability insurance provides cover for claims from third parties arising from a business or persons activities. Examples of this may include:
They are very similar types of insurance. Products liability covers claims caused by the actual product e.g. a wheel falls off a bicycle due to a fault, causing injury to the rider. Public liability is a lot wider and will cover negligence of a business or individual e.g. not cleaning up a spill, or not fixing a rip in a carpet, which causes someone to be injured.
No, public liability insurance is often integral to many insurance packages and is not sold separately. However there are many situations where public liability insurance will be sold on its own e.g. someone buying a strip of land.
Again this all depends on your business activities. If you are a shoebox maker then you will need limited cover, whereas in contrast if you make landing gear for aircraft you would need a far higher level. Our experts will understand your business and your potential liabilities and provide an insurance solution to fit.
We do not provide certificates of insurance but appreciate proof of insurance is required to fulfil certain contracts such as government contracts and we can provide “To whom it may concern” letters detailing your insurance cover.
Yes, we can arrange air-side cover for you and your business.
Justin left school and joined Royal Insurance, Hertford in 1988. Following their merger with Sun Alliance in 1995, he reached the position of Broker Business…
Andrew joined the insurance industry after completing college and hasn’t looked back since. Having joined the Alan Boswell Group in 2003 as a Claims Handler,…