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Public liability insurance can assist your business in managing expenses related to claims from third parties for injuries or damages.
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Public Liability cover
Navigating your way through the complexities of business liability cover can be challenging. Speak to one of the Dickson team who will be able to identify which policy best suits your need. There are several covers that you might need including the following.
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EIL protects against claims for environmental damage caused by business operations, including pollution and contamination
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Excess of Loss insurance provides additional protection above the standard public liability limits, which can be crucial for businesses with higher risk exposures. It will usually be insured by a different insurer from the one insuring the ‘ground-up’ cover, so for example the first £2m of PL cover might be provided by one insurer, with another providing cover for £3m of cover on top of the first £2m, so £5m of cover in total.
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Efficacy is usually offered as an extension to the main liability cover. gives cover against claims where a product or service fails to perform as expected, leading to loss or damage on the part of the policyholder’s client or customer
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Products cover is usually provided alongside the Public Liability cover. It protects against claims arising from products sold or supplied by the business, including injury or property damage caused by defective products
Strabane Mills have been using Dickson Group for many years. They have always been very competitive with their policies; but they are also friendly and a pleasure to do business with. It’s a comfort to know that your Insurance Broker really does have your best interests in mind.
Tim TraillStrabane Mills
The transport industry is highly competitive and the insurance needs of my company are complex. We have trucks right across Europe and having a company that is more of a partner than supplier is key.
W DonnellDonnell and Ellis Transport
Our Enterprise Company needed an insurance provider that offered a complete, competitive and comprehensive insurance service. This requirement was met in every way by Dickson Group, and they have constantly exceeded my expectations. I have no hesitation in recommending them.
Nick O’SheilOmagh Enterprise Comapny
Motor trade insurance is complex and demands a broker that takes time to understand the needs of our business. Pat Kirk Ltd is a multi-franchise dealership that is constantly growing. Dickson Group has continually exceeded my expectations and I am pleased to recommend them to my colleagues.
Peter McDermottPat Kirk Ltd
FAQs
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Public Liability insurance typically covers incidents such as property damage, bodily injury, and illness to third parties, caused by your business operations. For example, if a customer slips on a wet floor in your shop and gets injured, public liability insurance would cover the claim. PL cover does not cover injury or death to employees of your firm; a business would require Employers’ Liability insurance for this.
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The amount of coverage depends on the nature of your business and the risks involved. Even an innocuous business with a relatively low risk such as an office or a shop, requires adequate levels of PL if they have visitors or customers on their premises. The highest ever personal injury award in the UK made to a single person currently stands at £45m.
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PL cover is vital to a business because it protects against potentially significant financial losses, due to legal claims. Without it, you would have to pay for legal costs and compensation out of pocket for property damage or death or injury to a third party, if it were proven that you and your business was responsible.
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Yes, there are usually some common exclusions, such as intentional acts, or contractual liabilities. Speak to Dickson Group to find out what cover best suits your business.