Your public liability policy could be packaged with the following benefits:
Contents and Stock Cover
Simple public liability insurance cover
Public liability insurance forms the heart of almost every business insurance package, but you can take it out as a standalone policy. If this is all you need or want, you can compare quotes in seconds online.
Alternatively, if you prefer to set your business insurance up over the phone, then you can call our expert team on 0345 762 6158.
Also, if you decide at a later date that you need more cover added to this then don't worry - that's absolutely no problem and extra forms of cover can be arranged by our team at any time.
Public liability insurance in a nutshell
Public liability insurance will protect you in cases where you are accused of negligence and taken to court. The policy will aim to cover the compensation costs you are liable for if the decision goes against you.
The good news is that based on claims statistics, courts overwhelmingly find in favour of small businesses and rarely find negligence, meaning no compensation is required, but for the rare cases where a court decision goes against you, the costs can be crippling and reach the millions.
Options for more cover
Below are some examples of extra cover that you can take out alongside public liability insurance that can build a larger more comprehensive business insurance package:
Employers' liability: This is a logical counterpart to public liability insurance. This protects you against negligence claims originating from your employees. Also, if you employ staff, then it is ordinarily a legal requirement to have it in place.
Stock: Stock cover can be added to protect items that are vital to your day to day trading.
Business equipment: If you have some form of special equipment or machinery that is vital to the running of your business, getting cover for it specifically added to your policy can provide you with extra peace of mind.
Business interruption: Sometimes not being able to trade is not your fault. In many of those cases, business interruption can replace your lost income and can be invaluable if you are recovering from something like a fire or a serious flood.
If you are in any doubt as to the cover that your business might need, give the FSB Insurance Service a call on 0345 762 6158 and we can advise you on what you could really benefit from.
All public liability cover and cover for additional business risks is subject to insurers underwriting criteria, terms and conditions. Please contact our team for full details.