Write-up by Direct Line for Organization
Even as a modest enterprise, it is important that you protect not only your staff and yourself from harm and damages, but also, and most importantly, your clientele. If a consumer of client were to injure themselves while on your property, a claim could be quite damaging to your organization.
If you don’t have sufficient public liability insurance, that is.
As a little company it is critical that you are conscious of the risks associated with your activities – risks to which customers and the general public are exposed. As a company owner, you carry the responsibility of minimising these risks. This is what particular well being and safety standards are there for. A good risk management technique will help to guard against the possibility of an accident, and minimise harm if there is an accident, but it is nevertheless impossible to get rid of risk.
Don’t wait for an accident to occur ahead of you investigate your public liability insurance possibilities. Also, as soon as an accident has occurred, an injured person has 3 years from the date of injury to lodge a claim, so just because a couple of weeks have gone by, does not mean you are off the hook either.
Public liability insurance will cover you for any successful claim made against your business, as well as for any fees incurred in the defence of that claim, such as legal fees. This cover is usually a core cover of numerous types of insurance and will cover your company to a limit of indemnity that you decide, normally detailed as an amount such as



