subject: Cover Your Business With Public Liability Insurance [print this page] Cover Your Business With Public Liability Insurance
If you have set up in business then there is obviously a multitude of things that you need to start thinking about sorting out to enable you to trade properly. One of the first things that you should get sorted is the correct insurance to protect you from potential occurences. No matter what type of business you run, the chances are that public liability insurance will be relevant to you in some way.
This form of cover gives you protection for a variety of situations, all of which are things that can happen on a daily basis. If you are involved with any work at other peoples properties then there is a chance that you may cause damage or an accident. Say for example you were fitting a new bathroom and while carrying the bath you damaged a wall. You could be left with a large repairs bill to rectify what has happened. On the other hand, if you have got the correct policy then this will be covered under your insurance. Similarly, if you caused somebody to have an accident while you were working or if they injured themselves while they were in your place of work then this cover will protect you against that.
You are not legally obliged to have this form of cover when you are in business but it is strongly advised. Can you imagine the potential costs that could occur if you ended up damaging an expensive car or if someone fell and badly injured themselves. Without the correct policy, you could be faced with huge bills and this could potentially put your entire company at risk. The amount that you will have to pay for your premium will pale in significance when you compare it to the amount that it could end up protecting you against.
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