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Public & Product Liability

Some risks aren’t worth taking

Product Liability insurance is designed to protect you against third party claims for damage or personal injury as a result of a product that you have manufactured or supplied. It is an important way of protecting you against potentially costly litigation claims.

It is important to remember that when it comes to Product Liability, you don’t actually have to have manufactured the product itself to be liable if something goes wrong. Simply commissioning an item which bears your brand name, or selling a product in a shop or even online means you could be liable as the supplier of the item. Indeed, the courts can also rule in favour of the claimant against you if you have repaired or reconditioned a product, even in you weren’t the person who first sold or supplied it to them. Product Liability Insurance can be complicated, so to ensure that you and your business are protected, there is no better reassurance than seeking advice from an expert in this field.

Public Liability insurance

You should consider Public Liability insurance if you are supplying your goods or services to the public from your premises, and that includes your home if you are a homeworker and your customers visit you there.

Compensation payments, legal fees and the associated costs of any action can be extremely punitive without the right insurance in place to cover you. Public Liability insurance can protect you in the event that a customer or visitor to your premises suffers an injury or loss as a result of your business activities, and is often a prerequisite for working with public bodies such as local authorities and education providers.

Having Public Liability can also protect you when you carry out business activities away from your office premises by extending your Public Liability.

Meet the team

View all our team profiles

Emma Emerson

Insurance Director

Emma is a Director in our Insurance business based in the Colchester office and works within the commercial sector.

Natasha Root

Private Client Account Executive

Natasha heads up the Private Client insurance department in our Colchester office.

Daniel Bligh

Managing Director, Scrutton Bland Insurance Brokers Ltd

Dan is joint Managing Director of Scrutton Bland Insurance Brokers Ltd

Jason Harden

Insurance Commercial Account Executive

Jason is an experienced insurance executive with a comprehensive knowledge of commercial and personal insurance covers.

Ryan Whybrow

Commercial Insurance Account Executive

Ryan works within our Insurance department as a Commercial Account Executive.

David Taylor

Commercial Insurance Account Executive

David is a Commercial Insurance Executive, based in our Ipswich office.

Tim Bell

Business Protection Consultant

Tim works within the insurance team, specialising in providing protection advice to businesses, business owners and individuals.

Edward Nottingham

Insurance Director

Ed is an insurance director, based at our Diss office, specialising in all types of agricultural insurance.

Tim Mulley

Senior Partner

Tim specialises in insurance for private clients, businesses and charities.

Get in touch

You can find out more about the most appropriate Public and Product Liability cover available for you and your business by getting in touch with our business insurance team.