Public Liability Insurance Bristol

Local resource for public liability insurance in Bristol. Includes detailed information on local businesses that give access to pubic liability insurance, liability insurance, property insurance as well as information on general liability insurance and content on renter's liability insurance.
Legal & General
+44 (0) 117 981 4441
135-137 Redcliffe Street
Bristol
Swinton
+44 (0) 117 966 0454
169 East Street
Bristol
Swinton
+44 (0) 800 412 412
45 St. Nicholas Street
Bristol
Mark Richard Insurance
+44 (0) 117 923 1330
282 St. John's Lane
Bristol
Swinton
+44 (0) 117 962 3908
209 Wellington Hill West
Bristol
Stephen Brennan Insurance Brokers
+44 (0) 117 923 9164
97 Lower Redland Road
Bristol
Unicorn Direct
+44 (0) 117 942 8841
233A Cheltenham Road
Bristol
Academy Insurance
+44 (0) 117 973 4258
87 Whiteladies Road
Bristol
Mark Richard Insurance
+44 (0) 117 944 4239
434 Gloucester Road
Bristol
Swinton
+44 (0) 117 961 3135
299 Two Mile Hill Road
Bristol
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Evaluate public liability insurance

Owning your own business has its responsibilities as well as its rewards. One of these is to ensure that the public doesn't suffer from your activities. In an imperfect world however things do go wrong so it makes sense to protect your interests from expensive legal claims from members of the public that could seriously damage your cash flow. This type of financial protection is called public liability insurance.

Depending on the type of business you are operating, public liability insurance can be compulsory. It can often be included in other insurance packages. Properly drawn up Public Liability Insurance covers you for your legal responsibility for:

  • Injury, caused by the operations of your business
  • Illness or disease to any member of the public
  • Loss and damage to a member of the public's property - pollution claims etc.

As matters currently stand you can insure your business for a choice of four different levels of indemnity £500,000, £1,000,000, £2,000,000 and £5,000,000 so you can match the level of cover to your business needs.

Finding providers is no great problem as there are literally hundreds. Naturally you should look to use a company that has experience in your particular line of business and who will appreciate the challenges and risk your business faces.

However the fact that you have public liability insurance does not relieve you from the responsibility of taking due care in your business operations. You are still obliged to live up to your legal responsibilities.

The key challenge of this type of insurance is gauging how much you think you will need. Obviously you will have to judge on the basis of what you think your risk is, but do not underestimate. One million pounds might seem like a lot of cover, but if you find yourself facing a series of claims from a group of people then the legal fees alone could cost you a fortune.

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Public Liability Insurance and ELCI Explained

If you employ anyone, the law states that you should have Employer’s Liability Compulsory Insurance (ELCI). (It is also a legal requirement to display the certificate.) This will provide compensation to employees if they are injured at work or suffer from a work-related illness. The insurance will cover any legal costs and any compensation due. By law you must have insurance cover for at least £5 million.

There are a number of types of small business insurance available, including public liability insurance, professional indemnity insurance and employer liability insurance. Which ones you need depends on your business.

What must you be insured against?

Regardless of the size of your company it is essential for any large or small business to buy insurance. If you employ anyone, the law states that you should have Employer’s Liability Compulsory Insurance (ELCI). (It is also a legal requirement to display the certificate.) This will provide compensation to employees if they are injured at work or suffer from a work-related illness. The insurance will cover any legal costs and any compensation due. By law you must have insurance cover for at least £5 million.

The only employers that are exempt from ELCI are some family businesses where employees are all closely related. The exception to this is if your business is incorporated as a limited company.

ELCI is an agreement between you and your insurer about the circumstances in which they will pay you if your employees sue you. Unlike other types of small business insurance, ELCI contracts cannot impose exclusions (ie refuse to pay out if you have failed to comply with certain conditions). If one of your employees suffers an accident as a result of the employer’s neglect, the insurance company can not refuse to pay even if :

  • you have not provided reasonable protection to your employees against injury or disease
  • you can not provide certain information to the insurance
  • you have done something they told you not to do (eg admitted the accident was a direct result of your neglect)
  • you have not done something they told you to do (eg reported the accident to them)
  • you have not met your legal obligations

Your insurer can, however, impose conditions on continuing to offer you cover. They may inspect your premises and activities and present you with risk improvements. It is in your interests to comply with these as the uninsured costs of serious accidents could potentially put you out of business. If you do not comply, your insurer may also refuse to continue offering insurance to you.

Other types of insurance:

Public liability insurance
Public liability insurance covers you against any claims made against you or your business by members of the general public.

Professional indemnity insurance
Professional indemnity insurance covers your business against customer claims that you have made mistakes or been negligent. As there can be a time period bet...

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