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Top 10 Tips and Popular Questions about Public Liability Insurance in the UK

Public liability insurance (PLI) represents a critical facet of running a business in the UK. It provides coverage against claims from individuals who have suffered injuries or property damage due to your business activities. Understanding the details of this insurance is vital, especially considering the dynamic insurance landscape in 2023. So, let’s dive into the ten essential tips and address the most frequently asked questions about PLI.

1. Understand What PLI Covers

PLI primarily protects against claims from third parties for bodily injury or property damage caused by your business activities. It could range from a customer slipping on a wet floor in your shop to damage to a client’s property while conducting work.

2. Not a Legal Requirement, but Highly Advisable

PLI isn’t legally required in the UK. However, it’s wise to have it, given that an injury claim can reach tens of thousands of pounds. According to the Association of British Insurers’ 2022 report, the average PLI claim was approximately £13,500.

3. Evaluate the Level of Risk Different businesses carry different levels of risk.

Sectors like construction or hospitality generally have a higher degree of public interaction and risk, thus might necessitate higher PLI coverage. Adjust your PLI to suit your business’s risk level.

4. PLI Isn’t the Same as Employers’ Liability Insurance

PLI is distinct from employers’ liability insurance. The latter is legally necessary if your business has employees and covers claims made by employees who’ve suffered injury or illness due to their work.

5. Be Aware of PLI Exceptions

PLI does not cover everything. For example, it usually doesn’t cover claims from employees, deliberate acts, or incidents that occur beyond the stated policy territory.## 6. Consider Professional Indemnity Insurance Too If your business offers professional advice, you might also need professional indemnity insurance. This insurance protects you if a client loses money due to your advice, which PLI does not cover.

7. Check If Clients or Trade Bodies Require It

Certain clients or trade bodies might require you to have PLI before working with you or granting membership. It’s vital to verify these requirements beforehand.

8. Keep Your Policy Up to Date

Ensure your policy is up-to-date, reflecting any changes in your business activities and circumstances. An outdated policy could leave you underinsured.

9. PLI Can Protect Your Reputation

PLI can also aid in protecting your business reputation. Having coverage in place shows a level of professionalism and concern for customer wellbeing, which can enhance your public image.

10. Shop Around and Compare Quotes

Finally, compare quotes from different providers. Prices and offerings can vary significantly, so it’s worth investing the time to find the best deal for your business needs.

Popular questions relating to public liability insurance:

Who needs public liability insurance?

Any business that interacts with the public should consider PLI. This includes, but is not limited to, retail businesses, restaurants, construction companies, and consultants.

How much does PLI cost?

The cost of PLI depends on various factors like your business type, size, location, and the level of risk it carries. Based on industry reports, the average cost of PLI for small businesses in the UK was around £120 per annum in 2022.

Can I get PLI as a sole trader?

Yes, sole traders can get PLI and indeed should consider it, given that they are personally liable for any business-related claims.

Does PLI cover temporary or contract workers?

Generally, PLI doesn’t cover temporary or contract workers as they are not considered ‘public’. They should ideally have their own PLI. Understanding public liability insurance is paramount for any business. These top 10 tips and answers to common questions can help businesses be better prepared for any liabilities that might come their way.

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