Public Liability Insurance
Biima
What is Public Liability Insurance, and Why Does YOUR Business Need One?
Within a business premises, where diverse interactions and multiple processes happen simultaneously, there is always a risk of accidents. A customer could fall and get injured at YOUR premises, or YOU or YOUR employees could accidentally damage a client’s property while delivering YOUR services. While these are chance occurrences, they are always a possibility, and it is better to be prepared against them. That’s why Public Liability Insurance is a must have policy for any business. Public Liability Insurance is an insurance coverage that protects businesses or individuals from claims made by third parties relating to injury or property damage.
Injury Claims: Covers claims made by anyone injured on YOUR business premises or due to YOUR business activities.
Property Damage Claims: Covers accidental damages to a third-party property due to YOUR business operations.
A Public Liability Insurance cover helps YOU manage the financial burden associated with such incidents as –
- Legal costs
- Compensation
- Medical expenses
- Investigation costs, etc.
While some businesses are required to have Public Liability Insurance to meet regulatory standards, any business that interacts with the public or third parties is recommended to have one. It gives YOU peace of mind and enables YOU to operate more efficiently. So, don’t wait for anything to go amiss and hinder YOUR business operations; get insured today and run YOUR business with more confidence. We are a trusted insurance broker for public liability covers – we bring YOU the best policies available in the market and help YOU make the best choice. With thousands of Public Insurance Liability covers available, finding the right one could be a challenge. But with it by YOUR side, it becomes simple.
Public Liability Insurance
Insurances
Insurances We Provide
At BIIMA, we bring YOU a full spectrum of insurance policies from leading market players to protect YOU, YOUR assets and YOUR business – manage risks and live with added peace of mind.
Why Choose Us as YOUR Public Liability Insurance Broker?
01
Tailored Solutions
Providing personalised insurance support for businesses and individuals since 2015.
02
Diverse Portfolio
A rich insurance portfolio – 85% commercial and 15% personal insurance.
03
Customer-First
We keep YOUR interest, YOUR need, and YOUR satisfaction at the CORE of our Insurance Solutions.
04
Multilingual Experts
We have a multilingual team, so language would never be a barrier to us.
Connect with us, explore all Public Liability Insurance options, and get started!
Insurance by Industry
Industries We Cater
We assess risks and vulnerabilities inherent to YOUR industry and ensure YOU are covered where it matters the most. Whether YOU are a small enterprise or a large-scale business, access tailored insurance solutions with us. Diverse industries, ONE Insurance Broker firm!
Get Public Liability Insurance Online: Zero Hassles, Full Coverage
Don’t delay YOUR insurance process due to lack of time or because YOU are worried about how lengthy or complicated the process could be. With our expert insurance brokers by YOUR side, YOU can get insured quickly and easily. With us, YOU can get the right Public Liability Insurance in a few simple steps —
- Call us to get in touch directly with our experts, or fill out our online form.
- Share YOUR insurance requirements with us.
- We will share basic details like coverage, special conditions/clauses, and alternative quote premiums via email.
- YOU choose the insurance company YOU want to proceed with, the date from which YOU wish to commence, and the payment option, which is monthly or annual.
- We will initiate the insurance proceedings and share the documents via mail.
Connect with us, buy Public Liability Insurance online, and get insured in YOUR time with zero convenience.
A Public Liability Insurance could be a –
Contractual Requirement: To work with certain big corporations or government organisations, YOU might need Public Liability Insurance.
Industry Regulations: Certain professions or businesses like retail chains, cafés, hospitality businesses, contractors, event organisers, gyms, fitness trainers, etc, are legally required to have a Public Liability Insurance.
Event Requirements: If YOU wish to host an event at a third-party venue, they might have Public Liability Insurance in their renting guidelines.
Public Liability Insurance can come in handy any time – make sure YOUR business is equipped with one, and YOU avoid any unnecessary complications or delays. At BIIMA, we offer several options based on risk factors involved and guide YOU through YOUR choices.
Contact us today and buy the most suitable long or short-term Public Liability Insurance online!
Most Asked Queries
Frequently Asked Questions
What is not covered by Public Liability Insurance?
A Public Liability Insurance doesn’t cover –
- Employee injuries
- Damage to YOUR property
- Intentional acts
- Contractual liabilities
- Environmental damage
- Fines and penalties
- Cyber incidents
When YOU contact us for a Public Liability Insurance cover, we will guide YOU through these specifics, help YOU get insured, and clarify any doubts YOU may have. Connect with us online and get expert answers to YOUR queries with our insurance brokers for public liability.
How do I determine the right Public Liability Insurance coverage for my business?
Here are a few factors that will help YOU determine the right long or short-term Public Liability Insurance for YOUR business –
- The type of business and risk factor involved – certain industries, like hospitality or trade industries, have higher risk potential and require enhanced insurance protection.
- Client and contract requirements – If YOUR business regularly enters into client and contractual agreements with third parties, Public Liability Insurance can help YOU streamline YOUR processes.
- The size of YOUR business and location can influence YOUR risk exposure, as the more interactions between employees and clients, the more potential for accidents or injuries.
- Industry regulations – YOUR business might have specific industry regulations regarding Public Liability Insurance coverage.
At BIIMA, we consider all these factors and help YOU determine the right public liability insurance. There are several coverage limits and premium structures that YOU can choose from. Choose an appropriate limit and structure that matches YOUR business’s potential liability and financial capacity.
How do I get Public Liability Insurance for my business?
There are many public liability insurance policies available on the market. So, YOU will never run out of options, but YOU might have a hard time trying to find the best one from the lot, and that’s what we help YOU with. Once YOU get in touch with us, we will discuss YOUR requirements and share the suitable potential insurance options available in the market. If YOU have been planning to buy Public Liability Insurance online, we are YOUR best choice. We simplify the entire process for YOU – from the initial policy search to claim lodgements; our insurance brokers help YOU.
Do I need Public Liability Insurance?
While there are no state regulations governing Public Liability Insurance, YOU should get Public Liability Insurance online if –
- YOUR business operations involve regular customer/client interactions.
- YOU have a business premise with high footfall.
- YOUR service offerings involve on-site work.
- YOUR industry has public liability insurance as a part of regulatory requirements.
The most common professions requiring a Public Liability Insurance are retailers, contractors, fitness trainers, event organisers, etc. If YOU are still confused about whether YOU should buy Public Liability Insurance or not, get in touch with us today.
Do you help with Public Liability Insurance claim lodgements?
Yes, we also help YOU with Public Liability Insurance claim lodgements. We aim to support YOU throughout YOUR insurance journey. From helping YOU find the right policy match to claim lodgement, we assist YOU and ensure a seamless insurance journey. Whenever a claimable event happens, connect with us without any delays, and we will initiate the claim process and ensure it is finalised as soon as possible. We will be with YOU each step of the way and assist YOU with each aspect of the lodgement process. Connect with us to know more.