What’s Public Liability Insurance, and Why Do You Need It?

by Guest Poster

Slip and fall on banana peelThe following is a guest post from a You Have More Than You Think partner.

We all know the story. A visitor comes to your shop, factory or office. They trip and injure themselves. And you’re immediately rushing to check your public liability insurance.

The law on liability is simple. If you’re responsible for an area that is open to the public, then you have a legal duty to make sure that the area is safe for the public to use. That might mean the reception area of your factory, the public areas of a council building, shops, cinemas… The list is endless – and it covers outdoors as well as indoors. Think about all the play areas, the public parks, the sports grounds: there are an almost infinite number of venues and facilities.

Both private businesses and the public sector need to be aware of the possibility of a claim on their public liability insurance – especially as it’s an area where the size of a potential claim can be considerable. If someone slips on a wet floor and breaks their leg it’s not just the injury they’ll be claiming for – there could well be loss of earnings to consider and the possibility of ongoing treatment.

Not surprisingly, an increasing number of businesses are realising that “the guy that’s always sorted my insurance” may not be the best person to deal with an increasingly complex area such as public liability. With the potential claims being so high, it makes sense to turn to a company that specializes. The dedicated team of experts at Staveley Head deal with nothing but public liability insurance cover and they’ll make sure that you have the cover you need to protect against every eventuality. Whatever business you have – or whatever part of the public sector you represent – they’ll have dealt with a similar client. So they’ll know the questions to ask and they’ll be aware of the possible claims that could arise.

Being in business – or running any public sector enterprise – is difficult at the moment with the economic downturn and the squeeze on public sector finances. The last thing you need is a public liability claim blowing a hole in your cash flow: Staveley Head can at least take that worry away from you.

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{ 6 comments… read them below or add one }

12 month loans October 12, 2011 at 7:38 AM

Thanks for making us aware of this kind of insurance called Public Liability Insurance. Hopefully it will turn the game of insurance industry and people will feel safe on public places.


Wood Walking Sticks January 10, 2012 at 5:44 PM

Health and safety gone mad. Everyone seems to want to sue everyone. This kind of insurance is a must for any business – not having it is just asking for trouble!


Philanthropy Asia March 6, 2012 at 4:50 AM

I came to know about very different kind of insurance. I think it is a nice idea to have feeling of safety at public sectors. Thanks for sharing such nice idea with us. http://sfoasia.org/


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6 month cash loans October 3, 2013 at 10:41 AM

thank for suggestion this type information to us. this is best news on insurance services people take this type services every time when needed


Zara Lavender September 14, 2016 at 8:10 AM

People seem to forget that whilst public liability isn’t mandatory, it is an essential type of insurance. The consequences of not having a policy can be dire – if you have a claim made against you, without insurance you will have to pay regardless. (That includes legal fees too!) Check out one of our blogs on the consequences of not having public liability insurance:



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