Public Liability Insurance
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What is Public Liability Insurance?
Public liability insurance is a general term for coverage for claims brought against the insured by a third party or member of the public. It covers damage or injury to property, health or life as a result of the use of dangerous objects or work with them. The liability also concerns a non deliberate infringement of the law or contract liabilities.
Public liability insurance is insurance for businesses rather than private homes. Most businesses need this type of insurance as standard. Indeed any business having contact with the general public will need this insurance. You are legally liable if a customer or employee is injured as a result of your negligence or breach of duty. You could face a claim not only for personal injury but also from the NHS for hospital treatment costs.
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