Public Liability Insurance

As the UK’s biggest business insurance provider, Public Liability cover is what we do best. We’ll run you a quick, tailored quote right now online

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What is public liability insurance?

Public Liability insurance is an essential cover for most businesses. This type of insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities and if that person made a claim for compensation. The insurance would cover the compensation payment plus any legal expenses.

Why is Public Liability so important?

Take a look at our article for a quick run-through of how this cover works, and why most businesses need it: Why is public liability important? Or watch our Consultant Massimo explain why public liability insurance is essential.

Accidents happen from time to time

We understand that things do not always go to plan. A customer slipping or tripping over is one of the most common accidents in the book, and can often result in a public liability insurance claim. Having public liability  insurance in place helps set your mind at rest, keeping you covered if a customer or member of the public suffers a loss or injury because of your business. You can buy this cover as part of your flexible business insurance policy, or as a stand-alone policy – whatever suits you.

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Customer testimonials

Our customer rating is very important to us. Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details read our reviews.

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“Excellent, personalised, prompt response to my unusual requirements. Problem solved in no time, confirmed immediately by email - extremely pleasant manner and tone”

J Peters, IT consultant

A quick claim example

A plumber is doing repair work on a domestic property, but hasn’t fitted the caps properly. This has caused water damage in the property he’s working on, as well as the property below.

  • What was covered?

    The public liability claim cost of £15,000, for repair of the damage and any inconvenience caused.

  • What wasn’t covered?

    The £250 excess (this is the part of the claim the policyholder pays).

Watch the details

It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.

  • Is your business covered for the right things? For example, if you work at heights above 10m, is this covered?
  • If you employ people, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine.
  • Check the policy documents before you buy for exclusions and excesses.
  • Choosing the right level of cover. Companies working on government contracts are usually required to be covered for a minimum of £5 million or even £10 million in public liability insurance.

Have you got everything covered?

Making sure you have the right cover is incredibly important. We have outlined some core and related insurance covers to help you decide what it is right for you.

  • Professional Indemnity

    If you hire a professional, for example an accountant or project manager, to work for you or your business you may wish to check that they hold adequate Professional Indemnity Insurance.

    Read more
  • Employers’ liability

    If you employ staff you must take out Employers’ Liability Insurance by law. This cover is designed to protect the interests of employees in terms of illness or accident at work.

    Read more
  • Product Liability

    If one of your customers suffers damage as a result of a faulty product that you provide, you may be held liable for damage even if you didn’t manufacture the product.

    Read more

Our cover providers

We work with the top insurance companies to find you the best possible deal for your cover.