What Is Public Liability Insurance?

Still not sure what Public Liability insurance is?

You've probably heard the term Public Liability insurance being thrown around, and you probably know that you need it, but do you know what it is?

Public Liability insurance protects you against any liability brought to you or your business if someone is injured on your premises or while you are providing your service. This can include a customer, a supplier or a member of the public.

Now, that's the fancy definition, but what exactly does Public Liability insurance mean?

Put simply - it covers you in circumstances where you may be at fault for injury or damages while you're working, that's been caused to anyone (excluding your employees).

So, let's imagine for a second that you're a Personal Trainer. You've set up a circuit at a local park for your Sunday morning class. You did everything right including notifying your members of the time and place of the class, notifying the local council to get permission to use the park, and have had your morning coffee. All boxes are ticked. While waiting for a few members to arrive, you head to the car to get some more equipment. A person jogging around the park doesn't realise you've set up some floor ladders. They run through them and trip, breaking their ankle.

Now, if you have Public Liability insurance, this would be an example of a situation where you would be covered in the event the jogger decided to sue you for damages. Damages in this case can include things like their medical bills, any time off work they have, and any long term injury they sustain as a result of this accident. This could set you back tens of thousands of dollars, maybe even more. Your insurance would pay this for you, so good thing you were smart and made sure you were covered before heading off to the park! If you didn't have Public Liability insurance, in this situation, you or your business would need to fork out the bill.

Does that clear it up a bit more? 

Don't let yourself be put at risk of forking out all that money. A claim made against you can take a massive toll both financially and mentally. Here at upcover, we offer customers Public Liability insurance that's quick, easy & affordable. Get an instant quote today by telling us your occupation and your expected revenue, it literally only takes a few seconds!