Boats For Sale - Fishing, Sail, Power, New, Used

The Importance of Public Liability Insurance

The Importance of Public Liability Insurance

One of the more common subsidiary?s of the wider ?Liability Insurance?, Public Liability Insurance, whilst not a compulsory business insurance, can be a lifeline for any working company or individual should something an incident occur with a member of the public.

What is Public Liability Insurance and why is it needed?

Ideal for any individual or company working with the public, or where the public visit a company?s premises, Public Liability Insurance ensures that the company or individual is covered should an accident occur to a member of the public on their premises. Further to this, Public Liability Insurance also covers any accidents or incidents that may occur when the individual or company is carrying work out on their client?s premises.

Including the cost of all legal fees? that may occur, whilst not mandatory, Public Liability Insurance is highly recommended for anyone carrying out work with the public.

It has to be noted that Public Liability Insurance only covers claims from third party?s and not employees of your company. This is where Employer?s Liability Insurance comes into play.

What exactly does it cover?

Public Liability Insurance covers the individual or the company in the event of an accident on your premises or their premises. Imagine one of the following scenarios ?

A small-scale wedding business has just opened its first shop in a small shopping centre. When trying on a selection or wedding dresses, a lady trips on one of the wedding dresses that has been left on a chair, trailing on the floor, breaking her wrist. Public Liability Insurance would cover any expenses incurred should the lady pursue a claim against the business.

Out on location for magazine photo shoot, a freelance photographer leaves one of his tripods lying down on the floor. A member of the public walks by and falls over the tripod and injures her arm. Public Liability Insurance with ensure that the photographer was covered if the member of the public claimed against them.

How much cover is needed and how much will it cost?

For small businesses, Public Liability Insurance with a cover of ?1m will generally suffice. Whilst the figure of ?1m may seem excessive, if an incident happened and several claims were made against the company or individual, then the costs can soon mount up.

The positive side about Public Liability Insurance is that, although the cover of ?1m is a substantial one, it is not directly reflected in the premiums that are paid. It?s impossible to give a ?general? premium cost, as it varies quite considerably from business to business. Companies such as pubs and shopping centre?s will have a much higher premium than a self-employed consultant who works 90% of the time from home, as there is a much more higher risk that an individual will be injured in the shopping centre than there is when in contact with the self-employed consultant. However, for a small business with a modest footfall figure, Public Liability Insurance can be purchased from around ?10 per month, which is a small fee to pay should something happen resulting in a claim needing to be made.

Public Liability Insurance is an insurance that all business should have if they have some contact with the public. It?s not a compulsory insurance - but it definitely should be.

Motor Direct is an independent intermediary with a wide range of insurers, providing with choice and finding the policy that best suits your needs, and grant you discount where liability insurance is required if you wish to trade.

MORE ARTICLES:

Fishing on Your Pontoon Boat
Fishing on your pontoon boat can be both a relaxing and fun experience. Fishing from a pontoon boat can much more enjoyable than fishing on other smaller vessels.

Tips For Choosing A Deep Sea Fishing Charter Boat
Hiring a charter boat for deep sea fishing is a very exciting way to spend your time. To make sure you get the most out of the experience there are some basic elements you want to cover before you hire the charter boat. First you need to decide what type of fish you are after. This will help you identify the best fishing locations offering that particular type of fish.

Boat Cover: Does Your Boat Need One?
For many people, buying a boat is an investment and the culmination of a lifetime of saving and something that you and your family will spend many happy days on. Boating is a wonderful way to celebrate an important occasion with someone special or to spend a lazy day on the water fishing with friends. Owning a boat is a wonderful experience; however, to keep your boat in good working order you must properly maintain it. This is why you will find the use of a boat cover absolutely imperative. A boat cover will provide durable, lasting protection for your boat investment

Boat Covers - A Necessity For All Boat Owners
Boat covers are a very important boat accessory, and are a great way to protect your pride and joy. Owning a boat comes with many responsibilities, and proper maintenance is one of them.

Repossessed Boats For Sale-How To Find The Top Repossessed Boats Available
Buying repossessed boats for sale offers a great opportunity for you save a lot of money in your next boat buying experience. A repossessed boat is something that the bank or financial institution takes back from somebody who defaulted on a loan payment. Therefore, the bank is in a hurry to get rid of these vehicles, and you'll often times get the dirt cheap prices.

Let Bass Boats Enhance Your Fishing Expedition
Fishing is a great American pastime, and thousands of bass fishermen set out each year to enjoy the great outdoors, fish for bass and swap tales of the big one that got away. Many people aren't aware that some boats are made specifically for bass fishing, and good bass boats can make all the difference between success and failure.

Boat Covers - Why They Are An Essential Boat Accessory
Boat covers play a very significant role in the protection of your boat. Purchasing a boat is a heavy investment, and it is also a very valuable asset if you like to spend a lot of time on the water. Therefore, your boat requires complete safety from dust, grime, dirt and airborne particles.

How To Choose The Best Bass Fishing Boat And Lures
Bass Fishing Boats and Lures

Bass Boat Cover
Weather Shield Are you an outdoor lover If yes then you might love to go boating and if you have your own boat then you would love to take care of it with your best means

Start You Search For Used Bass Fishing Boats Online
Most fisherman at some point in their fishing live will start to think about owning a boat And if you ever are at that point that you have set aside enough money and start to look around for a boat that you could buy, maybe you should look at used boats first

Bass Fishing Boats: Advice For The First Time Buyer
Bass fishing is a great past time that many people, both young and old enjoy. Once you get the taste of bass fishing, you might decide that you want to venture into buying your first bass fishing boat. This is truly an exciting experience, so it is best that you get some advice, being a first time buyer of a bass fishing boat.

Great Lakes Boat Top Offers Factory Boat Covers and Tops to Sea Ray Boat Owners
Great Lakes Boat Top, maker of high quality marine canvas for sixteen boat manufacturers has recently launched a promotional campaign targeting Sea Ray boat owners in need of replacement boat enclosures and covers such as bimini tops, cockpit covers, camper tops and a variety of other types of boat covers.

Summertime And Boats... And Boat Insurance
Early summertime is the time of year, when boat owners start getting back on the water. I am speaking about pleasure boaters, those who use their boats to make a living fishing are on the water when the fish are under it.

The Right Boat Trailer Can Protect Your Boat From Hazards
Owning a boat is just the beginning. In order to get your new boat from one location to another, you're going to need a boat trailer. In fact, boat trailers come in many different styles and weight capacities, so a little research in advance will help you make the right decision when it comes to deciding what kind of boat trailer you need.

Boats.org's New Complete Boating Weather Center "Outshines" All Others
Boats.org adds weather, tides, solunar tables, and feeding times to their boating site.