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Whether you've just got your own start-up firm off the ground or own a small business that is looking towards expansion, you may be well-advised to consider taking out public liability insurance. This type of insurance is aimed at protecting members of the public and/or any customers that come to visit your business, should they suffer an injury that has been caused by you or your organisation while they have been on your premises - for example, if they have tripped over a loose tile on your shop floor. Public liability insurance covers any damages that have been awarded to a member of the public, as well as any related fees, expenses and costs incurred should legal proceedings be filed against you. Furthermore, this type of insurance incorporates any costs for medical treatment that the NHS invoices you for following an accident. Alternatively, public liability cover can be vital if your organisation makes regular visits to other people's or businesses' premises - for instance if you're a plumber that works on call. Once public liability insurance is in place, you can be confident that you and your business will be protected against any claims of negligence which may be filed against you following work that you have carried out. And while it is not legally-binding to possess this type of insurance, you may nevertheless find it to be a vital tool for your business. Indeed, should a member of the public suffer an accident while on your premises and you do not have this kind of policy, you could well have to meet the likes of medical treatment and legal fees out of your own pocket. While some larger businesses may be able to absorb such costs, the same may not be possible for smaller firms - particularly if you're just starting out - so public liability insurance can be a vital financial tool if you're in charge of such a company. Many customers will ask a business if they have public liability insurance in place before allowing work on a project to start. They may request proof of such cover, so be sure to have all the proper documents that show you have public liability insurance close at hand. The level and cost of public liability you can obtain will depend on your needs and the industry you operate in, so you may want to take the time to obtain public liability insurance quotes to ensure you get the right product for you. No matter what sector you are involved in or the size of your organisation, public liability cover can be a crucial product to have in place. If you're in the market for public liability insurance then check out leading insurer Endsleigh. Originally founded in 1965, Endsleigh has grown to become one of the UK's leading independent intermediaries. We specialise in public liability insurance and can provide public liability insurance quotes for all kinds of businesses.
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