Public Liability Insurance
Do you own a business which physically engages with the public? You may be susceptible to third party injuries and claims. Pubic Liability Insurance is a must to protect your business.
If a third party injures themselves, is killed or has property damaged while on your premises, and it is a result of negligence on your part – you might be held accountable and end up having to pay out a large sum for compensation. To avoid any unnecessary sizeable pay-outs, you should ensure you have Public Liability Insurance.
Although you are not legally obliged to take out Public Liability Insurance, it is crucial to saving your company substantial funds in the event of a third-party claim. Public Liability Insurance covers you for the legal expenses incurred by the claims process and the cost of the compensation effectively and might also be advantageous for the future of your company.
Common Examples of Public Liability Claims
- A spillage unaccompanied by a wet floor sign, which causes a member of the public to slip and injure themselves
- A visitor tumbles over and injures themselves as a result of loose carpet or welcome mat
- A third party injures themselves on broken glass which had not been cleared properly on your businesses premises
- Poor lighting in your premises causes somebody to injure themselves by walking into an object and falling
Employers Liability Insurance
Does your potential or current company have many employees? If so, you should ensure you have Employers Liability Insurance, the more employees you have, the more necessary this cover is. This applies to full time or part time staff. Employers liability insurance provides you with cover if an incident occurs and you become legally liable to your employee (s) for any injury, death, disease, damages and expenses/costs which may occur during the course of their employment with your business. We can also offer policies where you can take on temporary workers during particularly busy periods.
Accidents in the workplace are a very common occurrence in Ireland particularly in the construction industry. Some accidents include, falling from heights, injury from working with machinery or even slip on a wet floor in an office canteen.
There is a plethora of ways a claim can occur. If it is evident that you have been negligent in implementing adequate work safety procedures, you will more than likely be liable for any injuries that occur as a result. Examples of negligence include leaving stock loose on shop aisles, not using wet floor signs post mopping or leaving tools lying around a construction site.
Though you are not legally obliged to take out Employer Liability Insurance, we strongly advise you do.
If you would like a Public or Employers Liability Insurance quote, simply call one of our experts at Insuremyshop.ie today on 01 231 9320 or visit our quote request page get started with your quote.