As a self employed business owner, you have a duty to take reasonable care in ensuring you don't cause injury or damage to property in the course of your services.
Despite all reasonable care taken, accidents can still happen, or you could simply be accused of causing such incidents which result in legal action being made against you.
This is why public liability insurance is the most commonly held policy among the self employed. 64% of 400 self employed professionals surveyed by Qdos in 2019 hold a suitable public liability insurance for their business.
Public liability insurance is the most popular insurance policy for the self employed suitable for most businesses particularly those visiting clients
Public liability insurance covers you in the event that a third party takes legal action against you for bodily injury or damage to property
Both public liability and products liability insurance react in respect of third party risks however the risks covered are still quite different.
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