Public liability insurance

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Essential liability cover for your business

Accidents do happen, from time to time. That’s the nature of running a business. 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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Why do I need it?

Public liability insurance is essential for most businesses, as it will keep you covered if a mistake is made which causes injury to a customer or member of the public, or damage to their property.

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. Take a look at our article for a quick run-through of how this cover works, and why you could need it: Why is public liability important?

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).

Choose your level of cover

At Simply Business, we offer a minimum level of £1 million for public liability cover, but how do you choose the right level for you?

Depending on the nature of your business, you may need more than the minimum level of cover, so it’s sensible to check your policy for every new job or contract. For example, 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.

Need more details? Hear more about your cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.

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.

  • Check the policy documents before you buy for exclusions and excesses
  • If you employ people, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine
  • Is your business covered for the right things? For example, if you work at heights above 10m, is this covered?
  • Have you chosen the right level of cover for your business and a level that’s acceptable for your clients?

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