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Public Liability
Public Liability Insurance provides cover in respect of damage or injury to 3rd parties or their property.
The policy provides cover for the legal defence costs and the resulting settlement award.

The nature of the business activities can be an indication of the extent of the potential risk (for example, a scaffolding company may pose a theoretically higher risk than a drylining company). However, claims can arise from many unexpected events and some very large losses can come from the smallest, lowest-risk business.

Public Liability limits of protection tend to start at £1m, although £5m is becoming the norm, with £10m upwards becoming a common request. Recent changes by the Government to injury settlement calculations, may result in requests for higher limits of protection.

At Trade Protect, we will work with you to accurately present the full risk details to the insurance underwriters, in a way which lets them understand the measures which you take to prevent losses/claims occurring.

Claims Examples:

Injury can be caused by slips/trips by members of the public. Damage can be caused by fire or damage to underground services.