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Product and public liability insurance are often wrapped together by insurers, and both are designed to support your business if you and your products are held responsible for an illness, injury, or damage. Whether you’re just selling the products or involved in design, manufacture, production, or repairs, product liability insurance can provide extra support if something goes wrong.
Product insurance with liability cover is designed to protect your business against compensation costs, if someone is injured or develops an illness, or their property is damaged, by a product you’ve designed, made, sold, or supplied. It can also provide support for claims made against faulty products, for example if they fail to carry out the intended task.
Property damage
You might claim for this if your product damages someone’s property.
Injury
Failure to perform
You might claim for this if your product damages someone’s property.
What is third party property damage?
Damage to someone else’s possessions or property, in this case caused by your product.
For example:
What does this cover?
When would I need to make a claim?
What does this cover?
When would I need to make a claim?
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£41.93 /month
£372.74 /year
A small beauty salon with one fully-qualified employee, based on the high street
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
Not included
Stock
Not included
£124.78 /month
£1109.16 /year
A small family run licensed restaurant with the use of a deep fat fryer
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£5,000
Stock
£10,000
How we work out example quotes These examples are real quotes from our online system (created 23/03/2023). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
Depending on your set-up, clients and business type, these expert covers might be helpful too:
When you run a quote you can select from a range of covers.
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Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
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Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about product insurance for small business teams and owners.
You can also check out our business insurance FAQs.
We often provide both of these covers together in the same policy, but public liability is usually connected to your services, work, and actions as a business, whereas product liability focuses on the products you’ve made, supplied, and/or sold.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a "family business" as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We provide a range of cover options for specific business types, including:
Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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