Your business could be at high risk for public liability claims without your realising it. Businesses that are considered high risk typically include:
Any business activity in which you or your staff are in frequent contact with the public.
Any business activity involving potentially hazardous equipment or machinery
Any business activity involving potentially dangerous materials
So, with these in mind, if you have a public facing business, such as a café, restaurant or shop, or a business which frequently works in potentially dangerous situations, such as mechanic or construction work, you are likely to have a high risk public liability profile. Conversely, if you only deal with clients over the phone, you’re likely to need a much lower level of cover.