Liability Insurance

These days, public liability insurance is becoming increasingly important in the commercial sector, especially for those whose business dealings bring them into contact with the general public. While it isn’t a mandatory legal requirement in the UK, more and more potential clients and customers will insist that you have such a policy in place before dealing with your company. If you’re in any doubt about whether you should have public liability cover, the team at Scott Fyffe Wealth Management will be happy to discuss the matter at your convenience.

Irrespective of the industry sector you happen to be working in, if you have dealings with the public you should seriously consider taking out an insurance policy with Scott Fyffe Wealth Management. If you aren’t sufficiently covered and someone is injured in the process of dealing with your business, or someone’s property is damaged, you could be held liable and may face expensive legal bills. It’s not difficult to imagine how devastating this could be to both you and the business itself. Working with trusted partners, we have the solutions you need for the ultimate peace of mind.

Incidents could occur during any type of public interaction. It could be that someone is injured on your property, for example, or you could accidentally damage a window while working in someone’s home, or perhaps an employee of yours could spill a hot drink on a customer’s state of the art TV. The possibilities are almost limitless, so you must make sure you have the satisfaction that comes from knowing you’re covered at all times. Even if you work from home, you could be liable if something happens when meeting a client or customer in your house.

The type of cover you require will depend on a number of factors, including the size of your business, the amount of interaction you have with the public and the number of employees you have. Clearly, a sole trader who rarely deals with the public won’t require as much cover as a company that employs a number of delivery drivers who visit customers on a daily basis. As always, our knowledgeable specialists will be able to talk you through your options from the first moment to the last.

Should you not have cover and someone is injured when dealing with your company in any way, you could be left with hefty fines and high legal bills. It’s also possible, of course, that your business ends up with a damaged reputation as well. In many cases, you could have to pay your own legal fees and those of the person who made the complaint. For the vast majority of business owners, taking a chance really isn’t worth the risk.

Scott Fyffe Wealth Management offer a comprehensive cross-section of high quality insurance policies covering public liability, high end performance cars, marine vessels, homes, valuable possessions and of course people. We will have a policy option that will fit in with your specific requirements and for a price you can afford. We’re also keen to offer products and services that match our clients’ ethical principles, so if you’d like to see your money helping with projects like sustainable farming, human rights, reduced carbon emissions and responsible forestry, feel free to have a chat with the team.

To find out more about public liability insurance policies that fit in with your needs, all you have to do is call 01382 721 191 soon. We look forward to hearing from you in the very near future, and to discussing the options that tick all the right boxes for you.

* Advice on motor and marine insurance is available by referral only.