What is Public Liability Insurance?
Public Liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property.
Although public liability insurance is only compulsory in a handful of industries and professions, it makes sense that every business has coverage. Even if your business is purely clerical, there is always the chance of a claim: the man reading your electricity meter trips on your doorstep…
The cover is normally restricted to the activities of the business declared to the insurer: a plumber will not be covered to carry out work as a roofer if not declared.
Premiums of high-risk businesses/trades can be reduced by demonstrating to the underwriter that you have procedures to minimise the risk with good health & safety and risk management.
What insurance do I need to consider?
Every club, organisation, and race is unique, so no ‘one size fits all’ insurance plan or solution exists. Aside from public liability insurance, there are some other recommended insurance options for your club, such as:
Public Liability
Personal Accident
Cyber Insurance
Legal Expenses
Kit & equipment
Employers Liability
Event Cancellation
Sports travel insurance
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Do I need Tour Operator’s Liability Insurance?
If you are a tour operator or travel agent, you are responsible for ‘proper performance of the contract’. This means that if a certain aspect of the trip or holiday doesn’t go to plan, you can be held liable as a tour operator.
What insurance does a running race require?
Whether you are organising a one mile fun run or a multi-stage adventure race, a big city marathon or a fell race, the basics remain the same, it is just a difference in scale.
Interested in Mann Broadbent’s Public Liability Insurance?
Get in touch with us and see how we can assist your public liability insurance needs.
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