What is public liability insurance and what does it cover?
Public liability insurance (PLI) is a type of insurance that protects you in the event your business is held legally responsible for either an injury to a member of the public or damages to their property. If you’re taken to court, having PLI means your insurer will pay the legal costs on your behalf, up to a pre-agreed limit.
While public liability insurance protects business owners from claims made by members of the public, it can also cover claims from contractors and clients. However, PLI does not extend to injuries to business owners or employees.
Which professions does Swinton Public Liability Insurance cover?
Swinton have a specialised panel of carefully selected insurers who provide cover for over 500 trades & professions.
Examples include, but aren't limited to:
- Painters & Decorators
- Carpenters
- Electricians
- Landscape gardeners
- Plumbers
What extra cover can be added to my Swinton Public Liability Insurance?
Extend your cover limit
Increase the limit of legal and compensation costs for claims made against your business. £1 million to £10 million limits available, with options to extend further.
Employers’ Liability
A legal requirement for anyone with employees – get £10 million cover for injury or illness claims made against your business.
Tools & business equipment
Get protection for the tools and business equipment that are essential to your business.
Stock & materials
Cover stock and materials in the event they’re stolen or damaged on site, at home or in transit between jobs.
Own and hired-in plant
Protection for machinery, either owned or hired, including diggers and cement mixers.
Contract works
Protect contract work in progress, in the event of damage by an insured peril before completion.
Why choose Swinton Public Liability Insurance?
• Swinton compare quotes from our panel of insurers to try to help you find a suitable quote.
• Cover for a wide range of businesses, trades and professions with different types and levels to choose from.
• Tailor your policy with optional extras
• Swinton has over 65 years of experience helping people find insurance that works for them
Is it a legal requirement to have public liability insurance?
While having public liability insurance isn’t compulsory under UK law, many businesses choose to so they’re covered should the unexpected happen. A customer or client may ask that you have cover in place before they work with you. Plus, it may be an obligation of your industry regulator or trade bodies .
