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There's a whole variety of insurances that businesses can take but there's one that will be of great help if an accident occurs involving a member of the public.

Public liability insurance is a type of insurance that would cover a business if a customer, client, member of the public or any other form of third party were to suffer a loss or injury as a result of the business's activities and if the third party made a claim for compensation. If this were to happen, the insurance would cover the compensation and any other legal costs.

Public liability insurance isn't a statutory legal requirement for businesses but it could prove invaluable if your business interacts with a third party on a frequent basis. Whilst businesses do everything right to make sure there is a very small chance of accidents occurring, some professions require public liability insurance to ensure the public are covered if any accidents occur.

Taxi Drivers

As a taxi driver, you are responsible not only for the safety of yourself and your passenger, but also the general public. For any taxi driver, public liability insurance is just important as taxi insurance, however they are mutually exclusive - you don't automatically get public liability insurance when you get taxi insurance.

For example, when you take a passenger from home to school, from the moment when that person gets in your taxi to when they have reached the school gate, you are responsible for their safety. So, if they were involved in an accident when crossing the road to the school gate, you would be liable for that accident. Public liability insurance protects you and your business from any unforeseen circumstances or accidents involving passengers and the general public.

Builders and Related Trades

Public liability insurance provides very important cover for builders and trades such as electricians and plumbers. If a building firm does not have this insurance and either a member of the public gets injured or their property gets damaged due to the building firm's actions, they will have to pay compensation, which could be the cost for repair of the damage, loss of earnings and legal costs if a claim is put forward. So it is incredibly important for building firms to have this cover.

It's just as important for plumbers and electricians to have this cover as well. If a plumber or an electrician completes some maintenance work in someone's house but something wasn't completed correctly, it can lead to property damage to the house and other personal belongings. Public liability insurance ensures that if this were to happen, the cost for repair of the damage and any inconvenience caused will be covered.

Other professions that require public liability insurance include other trade professions such as window cleaners, carpenters and cleaners. Ideally, every profession where workers have to encounter the general public should have public liability insurance to ensure that, if any accidents were to happen, your business would be able to cover anything that the claimant is requesting.

insureTAXI ensure that you have the specific taxi insurance for your needs, ranging from public and private hire to taxi fleet and vehicle insurance, meaning that your taxi is covered for you, your passenger  and the general public.