When it comes to driving, you might not think that you need a public liability policy to cover you, however there are certain situations when these are necessary. If you are a driving instructor or a self-employed hauler then it is extremely wise to have some form of public liability cover.
What is public liability?
Public liability is a form of insurance that is designed to protect you, and if you are self-employed, your business. It protects you if someone tries to sue you for negligence that has led to damage to property, illness or injury.
The legal requirements
In the case of people driving their own cars on the road, the legal requirement for insurance is having 3rd party insurance. Other than this, there is no legal requirement that says you have to have a certain level of public liability cover. It is, however, advisable. Public Liability can cover you from anywhere between £1,000,000 and £20,000,000, and in some special cases you may be able to get a higher cover amount. Some insurance providers will provide additional public liability cover as part of your premium, but these tend to be specialist companies rather than the mainstream insurance providers.