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Consulting services can provide valuable insights, strategic guidance, pecialized
25 Wilton Road Victoria London, United Kingdom SW1V 1LW
Welcome to VICTORMILES | Business Insurance
Consulting services can provide valuable insights, strategic guidance, pecialized
25 Wilton Road Victoria London, United Kingdom SW1V 1LW
Welcome to VICTORMILES | Business Insurance
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Our public liability insurance starts as low as £5.20 a month and we’ll work with you to find the right cover
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Proud winners of the Feefo Platinum Service award in 2024, VICTOR MILES is rated 4.7/5 by real customers on Feefo over the past year, with 3469 total reviews
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Our public liability insurance covers you if you work from home, at a client's office, in your customers' homes or on contract sites.
Public liability (PL) is a type of business insurance designed to cover compensation and legal defence costs. If a member of the public claims they have been injured because of your work, PL can help. The same applies if they claim you have damaged their property while working. This cover helps to shield your business against unforeseen costs. This is true regardless of whether the incident happens on your premises or when you or your staff are out and about. Even when you do everything right, accidents can happen. Any business can face compensation claims and related legal fees. You might be a freelance professional or a sole trader working with tools. Alternatively, you own a small business or start-up. With the right cover, your business is protected. Product liability insurance is normally included as part of this cover. This can help if you are subject to a claim relating to a product you supply, maintain or sell.
Year Of Experience
Public liability insurance covers a wide range of out-of-the-blue events. It can give you the comfort of knowing your business is protected. Ensuring you get the right insurance can help you to plan for key risks. Public liability insurance can help if a client or member of the public takes legal action against your business. This may include anyone who doesn’t work for your business, such as a visitor or supplier. Claims may arise as a result of injury to them or damage to their property. Our public liability policy provides cover if:
Having public liability insurance isn’t a legal requirement in the UK. That said, it’s frequently seen as an important option. If you work around members of the public, this cover can help to protect against related risks. It might be that your staff work off-site, you’re a tradesman, or customers visit your premises. Either way, injuries and property damage could land you in court. For instance, if you own an office, a passer-by could claim they were injured by a falling sign. Someone might slip on winter ice that wasn’t properly cleared. Visitors to your hair salon or shop might slip on a wet floor. Alternatively, you could break something while painting a staircase. Every trade comes with its own set of risks. Gardeners in busy parks and plumbers who work in homes can both face costly claims. Even if you’re a freelance wedding planner, meetings and events can come with hazards. Your clients may require you to hold public liability insurance as part of the contract. The more contact your business has with third parties, the more chance there is for a claim against you. Some companies need short-period public liability insurance for events. In this case, it’s best to enquire about special event insurance. This covers liabilities and event-specific risks.
With VICTOR MILES, public liability insurance can be tailored to your trade or profession.
Public liability insurance can help to defend electricians against a range of electrical and circumstantial risks.
Read MoreWorking with chemicals leaves cleaners open to risks. Public liability can help you deal with the unexpected.
Read MoreWorking with water in clients’ homes may create business risks. That's where a public liability policy could step in.
Read MorePublic liability insurance could protect your carpentry business, whether conducting repairs in a customer's home or a public building.
Read MoreA range of shops could benefit from public liability cover, including high-street stores and other retailers.
Read MoreThe right insurance could safeguard painters and decorators in their day-to-day work with the public.
Read MoreInsurance for public liability helps to cover you for legal fees and claims for compensation. It steps in if a client or member of the public claims against your business. If you’re a tradesperson, your work could cause damage to a client’s property. For example, say you’re a plumber and you do something that causes a burst pipe. Over time, the leak could rot floorboards. Public liability insurance could help. Another situation could involve a client injury. Say you’re an IT contractor and you visit a client’s premises to do a job. You’re working in a busy office, and your equipment is in the aisle. One of your client’s employees walks down the aisle and trips over your toolbox. If you’re a professional gardener, someone might collide with a loose fence panel while you’re mid-job. Some trades come with risks based on their specialism. These may include electrical risks. Still, anyone who works with people or other people’s property can face a claim. Whatever the case, the right insurance can provide support when you need it most. We can’t take away the headache of a claim, but we're here to help cover the costs. This type of cover can help to shield freelancers, sole traders or small businesses. It offers help with big pay-outs or legal bills.
