Public Liability Insurance
Public liability insurance safeguards your business against claims from third parties for accidental injury or property damage arising from your day-to-day activities—whether at your premises, at client sites, or during an event.
Why LHKÂ
This insurance covers:
- Bodily injury: Compensation and legal fees if someone is injured due to your business—for example, a customer slipping in your store.Â
- Property damage: Costs if your actions accidentally damage someone else’s property—for instance, touching a vase while on-site.Â
- Legal defence expenses: Covers legal representation—even if the claim is subsequently dismissed.
It is essential for any business that interacts with the public:
- Retailers, cafés & salons – where customers visit premises.
- Tradespeople & contractors – working on-site in clients’ homes or businesses.Â
- Event organisers & market stall holders – where public attendance is widespread.Â
- Home-based businesses – especially if clients come to you.Â
