Swinton Liability Insurance Cashback & Offers

At Swinton, we understand that running a business comes with many responsibilities and unforeseen risks. If you are working with the public then our liability insurance may offer you the cover you need. Our Public Liability insurance will cover your business for third-party injury or death, compensation claim payments, and potential repair or replacement costs for possessions or property that are damaged by your business's activity. Our knowledgeable team has a wealth of experience, and will work hard to find you a quote from our wide panel of insurers.

What does Public Liability Insurance cover?

A typical Public Liability Insurance policy will cover your business for third-party injury or death, compensation claim payments, and potential repair or replacement costs for possessions or property that are damaged by your business's activity.

Who needs Public Liability Insurance?

Any business that works with customers or clients should consider investing in Public Liability Insurance. Even LTD companies and partnerships may want to consider having some form of Public Liability in place.

Below are some examples of how businesses can benefit from Public Liability:

• Self-employed and sole traders
• Plumbers - Stay covered if a leak you’re trying to repair causes someone to slip.
• Gardeners - Covers you if someone trips on stray tools.
• Window cleaners - If someone is injured by an item you drop from a height, Public Liability will cover you.
• Hairdressers - Stay covered if someone cuts themselves on a pair of scissors that are left exposed on a countertop.

Small businesses

• Cafes - Scalds or burns from hot drinks and plates can be severe. Stay protected when someone makes an injury claim against you and your staff.
• Shops - Trip hazards in doorways or heavy items not shelved correctly can cause injury to members of the public coming in and out of your shop.
• Offices - Something as simple as loose carpeting can cause a visitor to slip and fall, so you need Public Liability to keep you covered.

How to determine whether you need Public Liability Insurance?

If your business doesn’t fit into these examples, you should ask yourself the following questions to determine whether or not you need a Public Liability policy:

• Does your business come into frequent contact with members of the public?
• What type of activity does your business carry out, and how could it impact customers or members of the public?
• Could your business afford to pay any legal fees or a compensation payout, should a claim be made against you for injury or damage?
• Does your industry regulator or trade body require a minimum level of cover for membership?
• Do your clients or customers require a minimum level of cover before they will commission work with you?