Public Liability Insurance does not cover injury to you or your employees. If an employee claims against your business, it will be covered by an Employer’s Liability Insurance policy. With Swinton, you have the option to get both Public Liability and Employer’s Liability Insurance under one policy.
PLI won’t cover damages to your business property, whether accidental or malicious. However, our Commercial Property Insurance will cover damage to your property.
Finally, a Public Liability Insurance policy won’t cover all the costs of a payout. It includes an excess; that is, a payment you need to make before the insurer covers the rest of the claim. If you faced a claim worth £4,000 and your excess was £300, for example, you would need to pay £300 yourself before your insurer paid the remaining £3,700.