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![]() Where can I get public liability insurance? You can buy public liability insurance in a number of ways.
What do I need to ask about when buying public liability insurance?
When buying public liability insurance, the insurer will require details of the business, the number of employees, previous losses and details of the risk to be insured. When completing a proposal form, answer all questions fully and disclose all relevant facts as failure to do so could invalidate the policy. Before being accepted for cover, it may be a condition that the premises have to be inspected and some improvements made before cover is given. Check the policy document thoroughly, in particular the extent of the cover and the exclusions and conditions. Can I buy an insurance package that will cover all my business needs?Insurance providers will generally include several types of covers in one package which could be more economical - as opposed to buying different individual covers from different providers. As well as public liability insurance, examples of other types of cover that could be included in one comprehensive package are:
What if something goes wrong?The Financial Services Authority (FSA) regulates the sale of insurance. Their website has details on how to make a complaint. www.moneymadeclear.fsa.gov.uk If you are unhappy with the policy sold to you, or the manner in which a claim against you has been handled by your insurer, contact your insurer direct and lodge a formal complaint. If you remain unhappy with their response to your complaint, you can refer the case to the Financial Ombudsman Service who will look into the matter on your behalf. www.financial-ombudsman.org.uk | Related Info |