Public Liability insurance covers compensation payments and legal fees if your business is found responsible for property damage, injury, illness or diseases to a third party, such as a customer, a supplier, a member of the public, or a contractor working for another company. Compensation claims made by a third party can include items such as injury, medical costs & loss of income.

Public Liability indemnity limits usually range from £1 million to £10 million, depending on your insurance requirements. Higher indemnity limits are sometimes achieved by taking out an Excess Layer policy, also called Excess of Loss insurance.

Public Liability insurance will usually be a requirement if your business is involved in the following activities:

• Working with or coming into contact with third parties
• Working on or around third party property

Product Liability insurance can cover compensation payments and legal fees if a third party sues your business because they’ve suffered property damage, injury, illness or diseases, caused by one of your products. If your business manufacturers, distributes, sells or installs a product, you most likely need Products Liability insurance. 

Public, Products and Employers’ Liability insurance can be brought together as part of a Combined Liability policy.

There are numerous enhanced cover options available under Public & Products Liability insurance, that may prove useful to your business. Should you wish to know more, or would like for Integrum to review your insurance needs, please get in touch or complete our contact form for a member of our team to contact you.