Public Liability

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.

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.

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.

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