Public Liability & Professional Indemnity Insurance
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Public Liability Insurance
Public Liability Insurance for businesses provides cover for legal costs of compensation claims for third-party injury, illness, accidental death, property damage or loss made by members of the general public, or other third parties.
Sometimes, no amount of risk management can prevent accidents. That’s what makes them accidents. This is what makes Public Liability insurance such an essential element of business cover.
Public Liability insurance will cover you in a range of scenarios. For example, a member of the public slips on a wet floor at your business premises and is injured. The individual is self-employed and sues your business and makes a compensation claim for their loss of earnings and medical fees.
Some claims can be a more direct result of your actions, such as accidentally drilling through a pipe or dropping a hammer on expensive tiles, accidentally causing a chemical burn or bleach a client’s clothes. Essentially, Public Liability claims will relate to incidents that occur in connection with your business activities, or as a result of the actions of you and your employees.
Professional Indemnity Insurance
Professional Indemnity applies in situations where you have been engaged as an expert in your field to offer advice or a service. As an expert, you have a heightened duty of care to your clients. Should they feel that you have breached that duty of care, you can be held liable for subsequent damages. A Professional Indemnity Insurance policy will protect you and your business against the cost of rectifying a mistake, including any associated legal fees and compensation costs. PI is not to be confused with Public Liability which provides cover for claims of third-party injury or property damage.
The types of claims that your business is at risk of will depend on the type of business you are running. In broad terms, your Professional Indemnity insurance will respond to claims such as:
- Poor Business Advice – For instance, your professional advice results in financial losses for your client.
- Faulty Designs – A client deems something you have designed not fit for purpose, and the client seeks compensation.
- Result Mishaps – A product you provided doesn’t work properly or is faulty.
- Breach of Confidentiality – For example, you share confidential or sensitive information without consent. You may also accidentally misplace a client’s data.
- Unintentional Copyright Infringement – This often applies to creatives and marketing consultants. Whether it is branding, an advert, or a musical composition like a jingle, unintentional copyright infringement is a costly risk that can be managed with PI cover.
Why choose insync for Public Liability & Professional Indemnity insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for businesses throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!
