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Personal liability insurance covers compensation claims made against you if you’re held responsible for injury or damage to property.
It protects individuals rather than businesses. If you’re looking for business insurance, public liability insurance might be a good place to start. It can pay the cost of a claim if your business is held responsible for injury or damage.
We’re a business insurance broker. This means we don’t offer personal liability insurance, as it covers individuals rather than businesses.
When insuring your business, your liability cover options will usually make up the core part of your policy. You can add other protection to make sure your policy meets all the needs of your business, but you should think about both public liability and employers’ liability as a priority.
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With Simply Business, you can tailor your policy depending on the needs of your business. Here are some of the main covers to consider:
Public liability insurance – this covers you against claims made by members of the public for injury or loss caused by your business. If you spill paint on a customer’s carpet and they say it’s your fault, this cover can protect you.
Professional indemnity insurance – this can cover you if you make a mistake in your work that causes a financial or professional loss. For example, it can protect you if you send an email to the wrong person and your client sues you for breach of confidentiality.
Employers’ liability insurance – this is usually a legal requirement if you have employees. It can cover you if an employee is injured or gets ill as a result of working for you, for instance if they develop an RSI or some musculoskeletal problems.
Personal accident insurance – this is a popular cover for people who work in riskier places, although it does cover you for accidents outside of work too. The money paid out can be used for things like lost income and medical costs.
Personal liability insurance covers compensation claims made against you if you’re held responsible for injury or damage to property. Similarly, liability insurance for businesses (public liability insurance) can pay the cost of a claim if your business is held responsible for injury or damage.
It’s quick and easy to build your policy and tailor it to the needs of your business.