Protect your business against the liability risks around its activities.
Businesses can face liability exposures arising from the activities they carry out, their premises, interactions with customers and other circumstances. Acrusure helps clients review those exposures and consider suitable public liability insurance.
Liability cover should be considered in the context of what the business does, where it operates and who it interacts with.
Liability starts with understanding the business
Business activities create different exposures
Acrusure reviews the activities, assets, locations and circumstances that shape the business’s liability exposure.
Reviewing limits and policy structure
Liability insurance should be considered alongside limits, exclusions, excesses and the wider commercial portfolio.
What we help you review
Public liability is one part of a wider commercial insurance structure. Acrusure helps businesses review their activities and existing arrangements before considering available solutions.
Business activities
Understand what the business does and the activities that may create liability exposure.
Premises & locations
Consider the locations from which the business operates and the circumstances surrounding those premises.
Existing liability cover
Review current policy arrangements, limits, exclusions, excesses and other relevant terms.
Changes in operations
New activities, locations, contractual obligations or other changes can affect the liability exposure.
Potential gaps & duplication
Identify areas that may need further investigation, including gaps, duplication or underinsurance.
Wider liability portfolio
Consider public liability alongside employers’ liability and other relevant commercial or specialist liability risks.
Our approach to public liability
Understand
We start with the business, its activities, locations and areas of liability exposure.
Review
Existing insurance is reviewed to identify gaps, duplication, inappropriate structures or areas requiring further investigation.
Source
Where appropriate, suitable insurers and specialist underwriting markets are approached.
Compare & advise
Available options are considered against cover, price, excesses, limitations, exclusions and the business requirements.
Maintain
We assist with policy amendments, renewals and changes in the business or its liability exposure.
Claims assistance
When a claim arises, we assist with documentation, insurer communication, follow-up and escalation where necessary.
Public liability FAQs
What is public liability insurance for?
Public liability insurance is intended to address certain liability claims arising from business activities. The exact protection depends on the policy wording, limits, exclusions and circumstances of the claim.
Can Acrusure review an existing public liability policy?
Yes. Acrusure can review existing arrangements, including policy structure, limits, exclusions, excesses and changes in the business.
Is public liability the same for every business?
No. Liability exposure depends on the activities, locations, operations and circumstances of the particular business.
Should public liability be considered on its own?
It can be part of a wider commercial portfolio. Acrusure also considers other relevant liability exposures and the broader business insurance structure.
Need a public liability review?
Speak to Acrusure about your existing liability cover or a new business requirement.
Request a quote