Protecting Your Dreams & Your Business
It’s sad but true – accidents happen. That’s just part of the nature of running a business. Whether it’s an accidental coffee spill on a client’s phone, spilt acetone on a client’s table or simply a customer slipping on a wet floor, no matter how hard you try, some accidents are just unavoidable. Even if you exercise the utmost caution and care with everything you do, life has a way of putting up a hurdle when you least expect it.
These kinds of accidents are the main reason why public liability insurance exists. At the heart of your business insurance policy, public liability was designed to give essential cover against any claims that are made by clients or members of the public for both injuries suffered and damage to their property that have been caused by you directly, or your business activities. It’s absolutely vital in protecting your business from a wide variety of claims you could find yourself facing.
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For 35 years, we’ve been working with businesses like yours to continually improve. The result? Tailor-made insurance policies, made for specialists, by specialists.
We listen and care about your opinion. You know your business best, so we use all your feedback and strive to create something better.
We want to see you succeed, but accidents sometimes can and do happen. If you’re dealing with a crisis, our 24/7 helplines will smooth you through, day or night.
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The Limits of Public Liability: What Do You Get?
Our standard cover is:
- A limit of indemnity of £3 million in any one claim (or £1 million for students)
- PLUS the option to increase this up to £5 million in any one claim (excluding students)
- PLUS Data Protection Act cover up to £250,000
- PLUS Defective Premises Act cover up to £3 million (or £1 million for students)
- PLUS Health & Safety at Work Act cover up to £100,000
Our public liability insurance covers you whether you work from a salon, clinic, home or on a mobile basis and protects you whether you work in the United Kingdom, Channel Islands or the Isle of Man. It even includes temporary (up to 14 days) cover for work abroad (excluding the USA and Canada), as well as cover for accidental damage to employees’ and visitors’ personal belongings and compensation for court attendance of up to £250 per day.
Alongside our public liability insurance, we also include products liability cover as standard with all our policies, which includes cover for any products you sell or supply.
Another cover included with your public liability insurance is treatment risk cover. Since standard public liability insurance does not cover for injuries or damage to property resulting from professional services, treatment risk insurance is essential for those in the hair and beauty industry, in order to stem the gap in cover. In the case of our holistic, health and fitness policies, this cover is exchanged with malpractice insurance, which instead covers claims for bodily injury, mental and psychological damage from physical procedures and from advice, or a combination of the two.
Financial loss insurance is also included as part of your public liability insurance automatically. This means that, should you need to make a claim purely for financial loss not caused by injury or property damage, you’ll be covered. It should be noted that any financial loss caused by injury or property damage will be covered under the public liability section of your policy.
Public Liability Insurance: Frequently Asked Questions
Will I automatically get public liability insurance with any Salon Gold, Fitness Gold, Holistic Gold or Counselling Gold policy?
Yes! Every single one of our policies these brands has public liability insurance included as standard.
Does public liability insurance protect me if my treatment goes wrong?
Standard public liability insurance doesn’t cover injuries or damage as a result of professional services – as treatments are a professional service, they aren’t usually covered under standard public liability insurance. However, we also include treatment risk as a part of our public liability insurance, and this does cover any injuries or damage as a result of the treatments you carry out.
Am I covered if one of my staff has an accident at work?
Public liability insurance doesn’t cover claims made by your employees. If you’re employing staff, you’ll need to purchase employer’s liability insurance in order to cover for this. You can add this cover when you fill in our online quote form, or you can call us to add it on if you later decide to employ staff. Please note, employer’s liability insurance is a legal requirement if you employ staff.
Do I really need public liability insurance if I work from home?
Even if you’re working from home, if clients or members of the public come to visit you, or if you see them at their own premises, we would still advise taking out public liability insurance, as this will keep you protected should something go wrong while you’re working. This is especially true in the case of treatment risk, you will need to be covered for any treatments you are carrying out.
Under our freelance package, you can also select the “Working from Home Extension” which will provide public liability cover for visitors to your home in connection with your business.
What if I have more than one occupation?
When filling out our online quote form, you’ll be able to select up to 3 occupations. If you require any more than 3 to cover the work you undertake, that’s not a problem – simply contact us directly and we’ll be able to arrange the cover you need. It’s essential you ensure your public liability insurance policy includes all the business activities you participate in, so there are no holes in your cover.
Is the cost of public liability insurance the same for all occupations?
Unfortunately, no. Quotations will vary from occupation to occupation, as some professions involve higher risk than others. This is reflected in the cost of your cover.
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