Your business has a duty of care to any person or property around it. This duty applies at any location you (or your representatives) carry out work, such as book signings, conferences, market stalls, meetings, workshops or public speaking engagements.
While it may not be your fault or your intention to cause harm to others, accidents do happen. Hence, it's important to have adequate financial protection in place.
Public Liability Insurance protects against the financial risks of being found liable for a third-party death or injury, loss or damage to property or economic loss resulting from your business activites.
Whether you work from home or an office as an author or writer, Public Liability can help to protect you from financial loss if you’re found liable for damage to a person or property.
Injuries to third parties caused by simple slips, trips and falls are a common source of public liability claims. These claims can arise on a client visit to your home or premises, or during public events and speaking engagements.
Given your duty of care to third parties, and the difficulty in preventing the unpredictable circumstances that lead to claims; Authors and writers are often asked to provide proof of a current Public Liability Insurance policy by organisers and venue owners prior to working at events or private venues.
A Public Liability Insurance policy will typically cover you for:
The Public Liability insurance policy typically covers:
For any further enquiries, please don't hesistate to contact our friendly team of brokers who are licenced to provide you with personalised risk management advice.