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There are many times when short term liability insurance comes in handy.
Some small businesses have to struggle to keep going in the beginning of their
business. Now with a store or workplace that has many customers coming and going
all of the time, short term is probably not something you will want unless it is
just to tide you over until you can get a full policy in place. Public liability
quotes on temporary insurance will be reasonable and will cost you less than
that of a full policy. This is a benefit of course.
Public liability insurance in the UK is not mandatory but it is great protection for you, your business and the public. It will pay for the damages that arise from someone from the public getting damages or injuries while on your business premises. It will also pay if your business goes to the public to work and causes damages to private property or a person.
You may want to get a public liability insurance quote for temporary insurance if you are just starting out with a service that goes to private property to carry out the service. This will cover you quite well while you need it for a particular job. Once your business gets busy and you start to turn over a nice profit you can get permanent cover.
If you own a shop or a grocery store and someone gets cut on broken glass or slips in a spill and breaks a bone your public liability insurance will pay. Since a spill is negligence on your part you could actually get sued by the customer who was injured. This insurance will pay your attorney fees and all court costs. It will pay the judgement against you if one is issued.
People who work with horses and allow the public to ride those horses have to carry liability insurance. This is a requirement under the law in the UK. There are many accidents that occur with horses and the accidents can be very serious. Otherwise other businesses are not forced to carry it. They are expected to do the smart thing, however, and carry all necessary insurances that will protect everyone.
Some people think that public liability insurance will cover injuries to employees. This is not true. That is a totally different insurance and is also necessary to the welfare of your company. Workers compensation insurance is just as important as public liability. Workers compensation will pay for injuries and loss of work for an employee injured on the job. It is compulsory in the US.
Get public liability quotes online at many websites. Compare prices for temporary and permanent. You may decide to go with permanent so you know it is always in place. Temporary will be cheaper but you will only have it for a short time. Keep the public safe and protect your business. A big enough lawsuit could destroy the business you have worked so hard to grow into a successful business. You do not want to risk that.