RAC Public liability insurance; protecting your business

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.