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Business Insurance

Public Liability Insurance

Public Liability Insurance

Protect your business from liability claims outside of your business

If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs.

Public liability insurance can help to protect your business from the financial risk of liability claims – helping you trade with confidence.

What do you need to know?

  • Who should consider it?

    While public liability insurance isn’t mandatory for most businesses, it is recommended for all companies. That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being sued can be extraordinarily high.

  • What can it cover?

    Public liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by the business. It can even cover emotional distress or shock that your business causes another person.

    It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found liable to pay.

  • What isn't covered

    There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Steadfast insurance broker.

Find a Steadfast Broker

Get the right advice at the right price and have a local Steadfast broker on your team.

Case Study

Protect your business against liability claims

A customer fall nearly spells the end

Beck is working in her café when a customer slips on a spilled drink, suffering a broken hip. The customer sues, and the business is found liable to pay a sizeable compensation claim, as well as significant legal costs. Beck’s policy covers the cost of the claim, so she can meet the liability costs.