What is personal liability insurance?

Personal liability insurance covers injury or damage compensation claims made against you by a third party. Public liability insurance is the commercial version of this insurance – it covers compensation costs if someone makes a claim against your business for injury or damage.

Personal liability insurance can cover compensation claims if someone sues you for injury or for damage to their property.

In the UK, this isn’t a very common type of insurance, but the business equivalent – public liability insurance – is a popular insurance cover.

Public liability insurance can pay the cost of compensation and legal fees if your business is held responsible for injury or damage. For example if a customer slips on your shop floor because there’s no warning sign, or if you’re meeting with a client and you spill coffee on their laptop.

Find out more about public liability insurance.

We specialise in small business and landlord insurance, so personal liability insurance isn’t something we offer. However, if you’re self-employed or you run a business, you can use our site to compare public liability insurance quotes, and add other covers to build a tailored business insurance policy.

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At Simply Business we insure all kinds of trades like:

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.

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