Who should consider it?
While public liability insurance isn’t mandatory for most businesses, it is recommended for all companies. That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being sued can be extraordinarily high.
What can it cover?
Public liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by the business. It can even cover emotional distress or shock that your business causes another person.
It will generally pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found liable to pay.
What isn't cover?
There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Lesure insurance broker.