Supply and demand helps make the world go round, or so some people say. But are you aware that when supplying products to members of the public, it’s your responsibility to make sure that the goods – and the premises from where they’re sold – are safe?
Dealing with members of the public means you are also responsible for protecting yourself against personal injury claims. Third parties can claim if they have suffered an injury as a result of hazards in your workplace. Claims can also be made as a result of an accident outside of your business premises, such as when you are on a sales visit.
Public liability insurance provides invaluable protection in these cases. It is designed to pay compensation which can include loss of earnings, future loss of earnings and damages awarded to the claimant. It also covers your legal costs in defending the claim, and the claimants’ legal costs that you incur if you are found to be at fault. Public liability packages can vary, so it’s worth checking the cover levels and exclusions. Here you can find out more about Direct Line for Business’s public liability insurance.
Selling and distributing products involves a legal responsibility to ensure that the goods are complying with health and safety and product safety laws.
Anyone injured or who has had their property damaged by your products may have the right to sue for damages. Products liability insurance provides vital protection should a claim be made against you.
Accidents in the workplace
Offices may contain potential hazards and risks to your workforce, and accidents in the workplace do happen. Creating a safe environment for your staff and protecting their health and safety should be a priority.
If you employ UK-based workers you are legally required to take out employer’s liability insurance. This covers you if an employee claims for compensation for an accident or illness during the course of their employment.