Public & Products Liability

As a business owner, you know that accidents can happen at any time. Whether you’re dealing with a customer, a visitor, or a supplier, incidents on your premises or due to your activities can lead to expensive legal claims. Public Liability Insurance provides crucial protection against these risks, ensuring that your business is covered for any third-party injuries or property damage.At Robison & Co, we offer straightforward, tailored Public Liability Insurance policies designed to help you protect your business, your clients, and your reputation.

What is Public Liability Insurance?

Public Liability Insurance is a type of business insurance that protects you if a third party is injured or their property is damaged due to your business activities. Whether you’re hosting clients in your office, working on a job site, or attending a business event, this insurance provides cover for legal and compensation costs arising from claims made against your business.

This insurance is essential for any business that interacts with the public or works on other people’s property, ensuring that you have the financial security to cover unexpected incidents.

Who Does Public Liability Insurance Cover?

Public Liability Insurance is designed for businesses that may face claims from third parties, such as customers, suppliers, or members of the public. It can cover a wide range of industries, including:

Retailers: If a customer is injured in your store or their property is damaged while in your care, public liability insurance ensures you’re protected.
Tradespeople: Builders, electricians, and plumbers benefit from cover in case a client is harmed or their property is damaged during the job.
Consultants and Professionals: Even in an office environment, accidents or mishaps can lead to claims. Public Liability Insurance covers the costs if a client or visitor is hurt or their property is damaged during your consultation or meetings.
Event Organisers: If you plan or host events, public liability insurance ensures you’re covered for any accidents involving guests or vendors.
Small Business Owners: From cafes to fitness studios, any business that interacts with the public can benefit from the peace of mind provided by this essential cover.
Complex Business such as Manufacturing, Wholesale and Distribution.

What is Included in a Typical Public Liability Insurance Policy?

Robison & Co Public Liability Insurance provides comprehensive protection to ensure your business is well covered in case of an accident or mishap. A typical policy includes:

Legal Costs

Covers the legal fees if your business faces a third-party lawsuit, including defence and settlement costs.

Compensation Payments

Pays for compensation to individuals who have been injured or whose property has been damaged due to your business activities.

Property Damage

Includes cover for damage caused to a third party’s property while you are working or operating your business.

Personal Injury

If someone is injured on your premises or during a business-related activity, public liability insurance helps cover medical costs and compensation claims.

Accidental Injury

Includes cover for injuries caused by accidents related to your business activities or products.

Public Liability Insurance ensures that you won’t have to shoulder the financial burden of an unexpected accident or legal action.

Why Choose Robison & Co?

At Robison & Co, we provide tailored Public Liability Insurance policies that meet the unique needs of your business. Here’s why you should choose us:

Tailored Solutions: Our policies are designed to fit your specific industry and business needs, ensuring you get the right cover at the right price.
Trusted Expertise: With years of experience in the insurance industry, our knowledgeable team will guide you through the entire process, ensuring you are fully protected.
Affordable Cover: We believe in providing quality cover that doesn’t break the bank. We offer competitive pricing and flexible payment options.
Simple Claims Process: Should the unexpected happen, we make the claims process quick and straightforward, so you can focus on your business while we handle the rest.
Dedicated Support: Our team is always available to answer your questions and provide support whenever you need it.

Choosing Robison & Co gives you confidence knowing that your business is covered, no matter what happens.

Get a Quote Today

Don’t wait for the unexpected to happen – protect your business with Robison & Co Public Liability Insurance. Get a quote today and ensure that your business is covered for any third-party accidents or claims. Our team is here to answer any questions you have and provide a policy that’s right for your business.

Public Liability Insurance FAQs

Public Liability Insurance covers accidents and injuries involving third parties or property damage. Professional Indemnity Insurance, on the other hand, protects you from claims related to your professional services, advice, or consultancy.

Yes, if you have clients visiting your home office or you are interacting with the public in any way, Public Liability Insurance is important to cover any accidents or injuries that may occur.

No, Public Liability Insurance covers third parties (such as customers or visitors) but not employees. For employee-related incidents, you will need Employers Liability Insurance.

The amount of cover you need will depend on the size and nature of your business. Robison & Co can help you assess your risks and recommend an appropriate level of cover.

Public Liability Insurance is not a legal requirement for most businesses, but it’s highly recommended, particularly for businesses that deal directly with the public. Certain sectors, such as construction or event planning, may have specific insurance requirements.

What Our Clients Say

Richard Young – Commercial client

Simon has been great, managed to get me indemnity insurance and office insurance with better cover and cheaper than I had been offered elsewhere. Smooth, friendly and efficient process. Perfect outcome!

David Reffell – Private client

Marie was extremely professional and handled the issue of insuring my late father’s house with tact, sensible questions and an effective result! Thank you

Jonathan Walker – Commercial client

Helped me with business insurance as my current provider were playing silly games.
I like the fact Danny could interrogate the policy wording to ensure I was properly protected.

Thank you for all your time and help.

Belinda Wilkins – Private client

We have used Robison & Co for many years. They always research the best options for us and discuss them clearly. We have a good relationship and I am very happy with the service they continue to provide.

Wayne Osborne – Commercial client

I can always rely and trust Robison and Co to give us their best personal attention and product that’s the very best fit for us at a highly competitive price

Tracey Bird – Commercial client

Robison are professional, helpful and deliver updates in a timely manner – Protection & Investment Limited

Kevin Shilling – Commercial client

Robinson & Co is professional, reliable and responsive. What more do you want?!

Tim Bonnett – Commercial client

Robison & Co have always provided an excellent service with a professional and friendly approach and the willingness to spend time reviewing and supporting support requests.

Lucy Spooner – Commercial client

Called Jack late on a Friday afternoon and he promised to email on Monday, which he did. The following day I was able to pop into the office and pay, all sorted without very little hassle and what we think is a fare price for our small business. We have never had to and hope not to make a claim so cannot comment on any further service. I would certainly recommend you Jack and thank you.

Sylvia Parker – Private client

Robison and Co have provided excellent, good value insurance for all my personal needs for more than 20 years I would highly recommend them to anyone needing insurance for personal and business needs. They offer good value, a personal approach, and timely response and support when claims are required and also offer timely reminders when renewals are due. They offer exceptional value for money.

Paul Jefferson – Private client

Professional and cost effective service

Marco Burattin – Private client

Marie made renewing my home insurance surprisingly easy. She was friendly, efficient and completely discreet throughout, which I really appreciated. Nothing was too much trouble and the whole renewal process felt straightforward and stress-free thanks to her help.

Kevin Mills – Commercial client

Excellent service from Jack at Robison’s. He explained my questions ( I had lots ! ) and helped me obtain a buildings insurance that met my needs. Couldn’t ask for better. Highly recommended

David Gubbins – Private client

Great Efficient Service and a competitive price

Wayne Osborne – Commercial client

Always a pleasure to deal with Jack @ Robison,
They have handled our business insurance for more than 10 years and always competitive, carefully considered options for us and great communication and service.

Hannah Jones – Private client

I have insured my car with Robison’s for over 30 years now, says it all really, top notch service at all times !!!!

Roger Ivimy – Private client

Extremely helpful and professional

Lesley Hickman – Commercial client

We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.

Fiona Robinson – Private client

This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!

Oscar Lawson – Private client

Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice

Jo Hilder – Commercial client

Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.

Rebekah Hart – Commercial client

Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!

David Bridge – Commercial & Private client

Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.

Kevin Shilling – Commercial client

These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.

Stuart Climpson – Commercial client

We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.