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I have bought a shop that I have been renovating. It will hopefully be opening next month.
I will be selling locally crafted clothes, gifts and jewellery and will be running the shop alone. Do I need to take out public liability insurance or can I manage without it?
N Breslin, Hove
Dear Ms Breslin,
Public liability insurance protects you and your business should anyone make a claim against you for accidental damage to individuals or property either at your premises or as a result of your business activities.
Having a public liability policy in place is not a legal requirement, but taking out insurance of this kind is a sensible move in case a customer injures him or herself while in your shop, for example.
The legal costs and compensation payments arising from even a minor accident, such as a customer tripping and breaking his or her ankle, could run into tens of thousands of pounds.
Whatever your financial problem, write to firstname.lastname@example.org and The AOL Money Fixer will get on the case.
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