Public Liability Insurance
PUBLIC LIABILITY INSURANCE - UP TO £1 MILLION
Daily we are bombarded with advertisements from claims companies and solicitors, offering to obtain money for us on a no win no fee basis for a whole range of accidents. From a simple trip up to an injury caused by faulty product we have bought.
You may think “it’ll never happen to me” but as a self-employed sales agent you are potentially liable to be persued by one of these claims bodies. Consider you are unloading samples from your car and innocently stacking them on the pavement. Along comes a member of the public and trips over your stack of samples. Consider the accidents that can happen with a sample rail. Before you know it you could be looking at a claim running into several thousand pounds from the injured party - could you afford to pay?
It may be that you carry stock on your car to sell to your customers. If any items you supply cause injury through a faulty product - you could be liable. As with Goods in Transit insurance, Public Liability insurance is practically impossible to obtain on an individual basis and certainly not at the rates APSA has negotiated on your behalf.
"The most important benefit that membership of APSA brings is Public Liability cover, without which I and any other agent could be put out of business". Ken Pateman, APSA agent.