Public Liability Insurance

Protecting businesses, professionals and organisations from potential claims made by your clients, contractors or members of the public as a result of negligent activities that lead to property damage or accidental injury.

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Who needs Public Liability Insurance?

Accidents can happen. Whatever the size and scale of your business or organisation, if any of your work related activities take place in a public space or you interact in a place of work with your clients, customers, suppliers or contractors, your business is exposed to public liability risks. Having the right level of Public Liability insurance will give you the peace of mind that any costs incurred as a result of an injury to a client or member of the public, damage to property and legal fees associated to the claim against you are covered.

Whilst not a legal requirement in the UK for the majority of businesses, you may be requested to have a certain level of public liability cover as part of your wider insurance programme by some industry regulators or if your organisation is a member of an industry body or association. Public Liability insurance can also open up new business opportunities with many sectors, including events, trading authorities and public sector contracts which often require Public Liability insurance to be in place as part of the procurement selection criteria.

Prefer to talk? Get in touch with our experts today 0151 236 5656

Why choose Griffiths & Armour?

At Griffiths & Armour we do broking differently, going beyond insurance. Our team of experienced insurance professionals, who include brokers, risk managers and in-house claims support manage clients across a diverse range of professions and industries. It is that unique understanding, combined with a trusted reputation in the insurance market, enables us to find exactly the right insurance covers that precisely match your needs.

Public Liability cover, is available as a standalone product, but it is not generally purchased by clients in isolation. More often, we arrange other closely related insurance cover for clients which include Professional Indemnity insurance, Employers’ liability or Office insurance. By tailoring an insurance programme which incorporates all required insurance classes in one place means we can find the right class and secure the best value, saving you time and costs.

Our ethos is to give our customers amazing service and we expect the same from our suppliers – Griffiths & Armour meet that expectation. From day one they have understood our business and its many different facets, so they give us sound commercial advice on our insurance options. We are delighted with the support and advice the team at Griffiths & Armour continue to provide

Andy Pringle, Finance Director, Timpson Group PLC

Other related insurance classes you should consider:

Laura, Group HR Manager | Griffiths & Armour

Professional Indemnity Professional service protection for claims brought against you by a client.
Office Covering the cost of accidental damage, breakdown, lost or stolen office equipment.
Directors’ and Officers’ Protecting your personal liabilities and assets in the event of legal action.
Cyber Risk Protection in the event of a data breach or a malicious cyber attack.
Crime Protection against employee fraud, dishonesty, theft and fraudulent acts by third parties.

We go beyond insurance cover, giving you much more. & that’s the difference

Risk management We identify, manage and support you to reduce risks.
Leading insight We share claims intelligence and the effect new laws or legislation have on your policies.
Claims management If you need to claim you’ll get immediate support and effective resolution.

Tailored Solutions Bespoke risk and insurance programmes to fit the precise needs of your business.
Shared Knowledge Interrogating data and trends, sharing what we learn with you.
RMworks Online Comprehensive risk management platform for all clients at no added cost.

We can help you manage risk…online!

Get access to RMworks, our industry leading online Risk Management platform. Available to our clients at no additional cost, benefits include; extensive levels of practical risk management advice and guidance that can be shared throughout your business as well as training and support for your employees.

Claims intelligence, data analysis and centralised reporting also ensures you can track staff awareness of risk across your business, significantly reducing the cost of risk and premiums and the time you spend on administration through more streamlined and centralised processes.

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