What is Public Liability Insurance?
Public Liability Insurance keeps your business protected against claims relating to any breach of your basic “duty of care” as a business owner. Public Liability Insurance protects you and your business against the financial risk of being liable for causing injury, damage, loss or death to a third party. It will also cover your legal and defence costs.
What’s Covered with Public Liability Insurance?
- Compensation for personal injury to a customer or member of the public
- Compensation for property damage to a customer or member of the public
- Legal and defence costs
What is typically not Covered?
- Employee injury
- Damage to your property
Why is Public Liability Insurance Important for Business Owners?
Public Liability Insurance is the baseline for business protection and provides cover against financial liability when someone is injured or has their property damaged and you or your business is at fault.
What type of Businesses need Public Liability Insurance?
Public Liability Insurance is important for any business in the pet industry, whether you are pet trainers, groomers, day care or dog walkers and whether you work part time, full time or are consultancy based.
No matter how diligent you are, accidents do happen and the financial consequences can be dire. For example, you provide a dog walking service or a grooming service and one of your charges escapes your control and as a result another person is injured. In this circumstance you could be held liable for any compensation costs.