Public Liability Insurance – Kasana Insurance Brokers
Who Needs Public Liability Insurance?
Public Liability Insurance is essential for businesses that regularly interact with clients, suppliers, or members of the public.
Accidents can happen at any time, and even a single claim for injury or property damage can result in significant financial loss.
This cover helps protect your business from unexpected legal and compensation costs that could otherwise threaten its survival.
Businesses That Commonly Require Public Liability Insurance
- Trades & contractors
- Professionals & consultants
- Wholesalers & distributors
- Manufacturers
- Travel & tourism operators
- Office-based businesses
What Is Typically Covered
Public Liability Insurance generally provides protection for:
- Compensation claims for personal injury to third parties
- Compensation for damage to third-party property caused by your business activities
- Legal defence and court costs associated with insured claims
- Damage to property that is under your care, custody, or control
What Is Typically Not Covered
Public Liability Insurance usually does not cover:
- Injuries to employees
- Damage to your own business property
- Costs to fix faulty workmanship or product recalls
- Professional negligence or advice-related claims
- Contractual liabilities beyond common law
- Incidents occurring outside the policy period
- Aircraft-related products
- Asbestos-related claims
- Gradual pollution
- Punitive or exemplary damages
- Certain contractually assumed liabilities
Do You Need Product Liability Insurance?
If your business manufactures, supplies, sells, or distributes products, Product Liability Insurance is strongly recommended.
Even with strict quality control, product defects can occur. Without the right cover, claims for injury or property damage could place serious financial pressure on your business — especially for sole traders, who may be personally liable.
When Can a Product Liability Claim Arise?
Product liability claims may result from:
- Manufacturing defects – for example, exposed wiring due to poor sealing
- Design defects – such as harmful materials used in products
- Inadequate warnings or instructions – missing safety labels or usage guidelines
Compare Quotes & Choose the Right Car Insurance
Fast. Simple. Reliable.
Get a quick car insurance quote with Kasana Insurance Brokers. We help you find the right cover so you never pay for anything unnecessary.
Need help with your quote? We’re here for you.
Call: 0404 991 166