Small Business Liability Insurance

compare liability insurance

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There are two types of liability insurance that small businesses need to be aware of. Employers liability is compulsory for all businesses that employ staff, other than some family businesses that only use close relatives. The other form of liability cover, which is optional, is public liability, or third party protection. The two insurance types are often purchased together and this can be more cost effective.

As every small business owner knows, controlling your expenditure is a vital part of making a success of your business. So none of us want to spend money on anything that is not essential. The thing to ask yourself when it comes to public liability insurance is can you afford not to have it?

The reason a small business owner will have public liability insurance in place is that in general a small business is much less able to deal with a substantial claim than a larger company would be. A claim for personal injury or property damage can really mount up, with not only your own legal costs, but those of the claimant too if you lose the case.

Realistically the only type of small business person who can do without public liability cover is someone who works from home, does not have clients on their premises and never goes out to work on anyone else’s property. Anyone who works away from their own premise, or has staff who do, should have this protection in place. The cost of a decent policy is very modest, and certainly good value when you consider the potential cost of not having it.