- Public Liability
- Property Owners
- Professional Indemnity
- Working from Home
- What is employer's liability?
- When does my online store need business insurance?
- What kind of business insurance do I need?
- How can you find out whether a business has insurance?
- Should a start up have business insurance?
- What kind of business insurance can the RAC provide?
RAC Public liability insurance; protecting your business
Public Liability Insurance gives your business the tailored cover needed to protect you from the legal costs that may be incurred from injuries to the general public, caused either by yourself or your staff. Here at the RAC, our public liability cover can be tailor-made to suit your specific requirements and is perfect for sole traders, and small to medium-sized businesses.
We have a selection of different Public Liability Insurance packages, each one specifically designed to meet the challenges that SMEs face every day.
Why choose RAC?
At the RAC we don’t believe in simply providing everyone with a ‘one size fits all’ policy. Our bespoke public liability insurance packages are designed to fit your exact specifications, as well as provide you a host of additional extras including:
- Fast and friendly service from our expert staff in our UK business centre
- Tailor-made policies with flexible levels of cover to suit business needs
- Immediate cover
- Wide choice of policies from a panel of leading insurers
We also offer a range of optional extras so that you can get the cover your business really needs, including:
Employers’ liabilityThis protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business. Cover can be extended for temporary employees
Contract worksNormal liability insurance may not provide you with cover for contracts or ‘work in progress’. So contract works insurance protects construction projects (both permanent and temporary), as well as providing cover for theft and damages for any materials you are using on those projects
ToolsYour tools are a major asset, and can be worth thousands of pounds. Tools cover provides insurance for the tools of your trade, without which you may be unable to work
Public Liability Insurance
As an employer you are liable for any client or general public injuries that were caused by your workers. As a result, your business needs the right cover to get the necessary protection against any claims made against your business. Public Liability Insurance is the most popular form of insurance used by small businesses to get that vital protection against those liabilities. It is important to remember that even a small scratch to an individual can lead to considerable costs to your business. Apart from having to pay out a sizable fine, businesses can also find themselves having to pay legal fees if the claim goes to court. With the RAC Public Liability Insurance package, we are also able to offer Employers’ Liability, Contract Works and Tools, ensuring you are covered for all these eventualities.
For SME owners it can be tempting to think that with smaller businesses come smaller risks. But even a small incident can result in a big pay-out. Even self-employed businessmen, normally working at home, might be liable during something as innocuous as trade event, where they might use a stall to attract new clients. If a part of the stall comes off, falls and hurts someone, an innocent mistake can quickly turn into a costly one if that injured person chooses to file a claim. Similarly, if that businessman visits a potential clients’ workplace they may assume they are safe from liability if an incident occurs. In fact, if during that visit the entrepreneur accidently spills a coffee on a PC or server, without the right cover, that innocent mistake can incur huge costs. With the right insurance in place, your business will become more efficient and professional in the eyes of your clients. Instead of being caught out if an incident does occur, you can just let your insurer make the appropriate arrangements, as you focus on the day-to-day running of your company.