July 31, 2018

How does Public Liability insurance work?

Written by Rob Hartley

Dinghy Co-Founder

This article will help explain how Public Liability responds to claims, and if you need it.

Public Liability insurance covers the cost of legal action and compensation claims made against your business if a third party is injured or their property suffers damage whilst at your business premises or when you are working in their home, office, coffee shop or co-working space.

This also includes the cost of medical treatment and transportation costs incurred

Do I need it?

If you often visit your clients or work in shared spaces where members of the public are then plenty can go wrong! Imagine you spill a cup of coffee and damage someone else’s computer equipment. Or someone trips over your MacBook charging cable as they rush past and hurt themselves (why do the batteries not last longer!).

In both cases, your business could be sued, your Public Liability insurance could then cover the cost of legal action and compensation costs, up to the limit of your policy.

Get a quote

About Rob Hartley

Rob Hartley ACII has worked in insurance for over 17 years in Europe, USA and the Caribbean. He is inspired to improve the image of insurance and bring it back to being a social good. Having also worked as a freelance web developer and an insurance consultant he is passionate about improving insurance for freelancers. In 2017 he co-founded getdinghy.com, an insurance provider that specialises in freelancer insurance.

Read more blog posts by Rob Hartley


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