Public Liability Insurance for Your Business: What Is HSE Public Liability Insurance and Do You Need It?

The phrase public liability may conjure up images of dodgy insurance salesmen and their high-pressure tactics, but public liability insurance can be extremely useful if you own your own business or organisation (and everyone should have it!). HSE Public Liability Insurance is available to cover claims made against you because of something that happened on your property or within your organisation. It could be something simple, like someone tripping on an uneven floor, or something more serious, like burns from a faulty coffee machine.

What is HSE Public Liability Insurance

HSE Public Liability Insurance covers both the public and employers liability insurance. This is the necessary type of insurance when you are in the business of performing a public task. It will also cover any person that works for or with you who is injured by any member of the public or if your employees have to defend themselves against members of the public.

If you do not have public liability insurance then if any member of your staff is injured by a member of public or even another employee then it will be them that will have to prove in court that it was not their fault, but somebody else’s. This can cause problems as in many cases people are just looking to blame somebody. So it is important to take out public liability insurance so that should something like this happen you will be protected.

There are three types of public liability insurance that you can get. They are Employers liability insurance, Public liability insurance and Professional indemnity insurance. This is designed to cover any member of staff that is injured by a member of public or another employee whilst on their way to or from work.

Which Businesses Need To Buy It

Public liability insurance is compulsory in most industries, unless the company’s assets exceed $10 million. It protects against damage to people, property and products which may result from your business operations. If you run a small business like in Canada, public liability guarantees you will have coverage if something goes wrong.

If your work involves physically interacting with other people, it’s worth getting insured. Here are just a few of the types of business that find public liability helpful:

  • Retailers
  • Restaurants and cafés
  • Hairdressers
  • Builders
  • Manufacturers
  • Licensed traders
  • Event organisers
  • Contractors, etc.


The Importance Of Buying It

There is no such thing as too much insurance. Public liability insurance is compulsory in many countries like England, Wales, Scotland, Northern Ireland, Malta and Guernsey. Other countries only require this type of cover if you are doing a special job such as construction work. While public liability insurance may not be mandatory for all businesses in your country, it is still an important safety measure to have in place.

Public liability insurance covers your business in case anyone should suffer an injury because of a fault on your part. The insurer will pay out to cover costs related to medical expenses, equipment repair, legal fees, court expenses and other related costs. A claim could be made by anyone from an existing employee or someone you are considering hiring in future. That’s why it is so important to have public liability insurance for businesses that allow their customers or clients access to their property such as shops, restaurants, hotels and other premises.

READ: I Had An Accident At Work What Are My Rights?

Public liability insurance protects your business from legal action taken by someone who has suffered an injury on your premises or as a result of something to do with your business. Public liability insurance provides protection when you are unable to prevent another person’s actions resulting in damages. With it, you will be able to pay compensation or deal with any damages that occur due to your lack of foresight or other negligence that may have occurred in either a professional or private capacity.

How Much You Can Expect To Pay

Public liability insurance (which can be offered by the HSE or through another insurer) is designed to cover legal costs and damages that you are responsible for, including where a customer suffers injury because of faulty goods or poor services. Different policies will vary, but typically most small businesses can get public liability insurance for 1 day from a reputable insurer.

If you’re thinking of opening your own business, there are various costs that you need to account for. One of these is public liability insurance, which will help to protect you from being sued if a customer suffers injury on your premises or at one of your events.

According to insureon – The cost of general liability insurance varies based on your business operations and policy limits, among other factors. Small businesses pay about $42 per month for this policy.

Insureon customers pay a median premium of $42 per month, or about $500 annually, for general liability insurance, regardless of policy limits. The median cost offers a more accurate estimate of what your business is likely to pay than the average business insurance cost because it excludes outlier high and low premiums.

Who Provides Public Liability Insurance

HSE Public Liability insurance is something all businesses should consider investing in. The official term for public liability insurance is public and employers liability insurance, but it’s most commonly called public liability insurance, which covers your business against personal injury to employees or to members of the public caused by accidents happening on your premises.

Public liability insurance protects you from being financially responsible if someone becomes injured while they are on your property. If a customer slips and falls, or an employee trips over a cable running across the floor and breaks their arm – this would be covered under public liability insurance.
Some people choose to get 1-day policies for events such as a car boot sale or other one-off occasions that may not be worth insuring on a yearly basis. However, many will agree that some form of cover is better than none at all.

If you want to host a workshop in your home or classroom, can you get public liability insurance? Yes! An increasing number of providers will offer cover if you don’t operate as a commercial business, but there are still certain conditions that need to be met. For example, the event needs to be open to members of the general public, who may also enter without charge. Most providers won’t insure ‘private’ functions like family birthday parties or friends’ gatherings in private homes.

If you need more information on public liability insurance, contact your local Which office. They’ll be happy to help you work out if you need it, as well as provide any assistance when searching for a policy.

Different Types Of Public Liability Insurance – What Are They?

If you work within the public realm, there’s a good chance that you’ll need public liability insurance. This type of insurance will help cover any damages caused by your company to the public. However, what exactly is covered under public liability insurance? In this post we’ll be looking at the types of public liability insurance so you can decide whether or not it’s worth investing in one for your company.

We will be considering 3 types of Public Liability Insurance:

Employers liability insurance: Employers liability insurance is a form of public liability insurance which protects employers against any legal action brought by employees. If an employee’s injury occurs on site while they’re performing their job role it can be covered by employers liability insurance.

Public liability insurance: Public liability is a type of insurance for businesses of all sizes, across a variety of industries. It covers you if a client or member of the public claims they have been injured, or their property damaged, because of your business activities.

This type of insurance is designed to protect business owners against claims that result in legal proceedings. If a claim does become a legal matter, a policy will cover the cost of these expenses, including any compensation you are required to pay.

Public liability claims can arise from several circumstances, but negligence is the main trigger. A customer might trip on an uneven surface at your premises or a member of the public could injure themselves on a piece of your equipment. It will also cover claims of property damage. For instance, if you accidentally knock over a mug of coffee, damaging a client’s laptop during a meeting, your policy will cover the associated compensation costs.

READ: How To Apply For Workers Compensation Exemption In Florida

Professional indemnity insurance: Professional Indemnity insurance provides necessary financial protection for professionals in such a precarious situation due to alleged neglect, error or omission whenever and wherever committed or communicated in the conduct of the insured business in their professional capacity. This policy meets the cost of defending claims and any damages payable.

Public Liability Insurance In The UK

What is public liability insurance? It is the insurer’s liability to compensate the claimant (person or organisation) in the event that they are found liable in law. Can you get public liability insurance for 1 day? Yes, but as of now there are very few providers who can offer this type of service. Generally, if you are going to want a long-term policy it will need to be a monthly contract that you sign up to.

Once you have determined that your small business needs public liability insurance, it is important to consider which type of policy best suits your business.