Public Liability Insurance

What is Public Liability Insurance?

Public liability insurance (or PL insurance as it’s also known) protects businesses against damage and injury to third parties, including members of the public or external stakeholders. 

In the event of an incident that causes harm to a person or damage to a client’s property (just as an example), PL insurance will kick in and cover the costs of losses incurred.

It’s widely considered as essential contractor insurance, particularly for those who come into contact with clients, customers and work onsite.

Why do Contractors Need PL Insurance?

Public liability insurance provides not only peace of mind but also financial protection in the event of an accident or a claim made against you for any number of reasons, including:

  • A third party slips, trips or falls and is injured and it’s your fault
  • Damage to a client’s property or premises
  • Personal injury to members of the public or damage to their property or premises

PI insurance is often taken out by freelancers and contractors who work closely with clients, whether at their offices, on construction sites or at events they host. With this contractor insurance in place, you can show to clients that you’re covered should anything happen. This can go a long way to maintaining a strong business relationship.

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