Public liability insurance

Compare public liability insurance quotes

Get a public liability insurance quote and find a policy that fits your individual business needs. It’s quick, easy, and specific.

Accidents do happen from time to time – that’s the nature of running a business. Having public liability insurance in place can help set your mind at rest.

What is public liability insurance?

Public liability insurance is a fundamental type of business insurance, particularly if you have visitors to your premises or carry out work on client sites. It can cover legal expenses or compensation claims if clients, suppliers, or members of the public suffer personal injury or property damage because of your business.

For more information check out our FAQ page on public liability insurance.

Do I need public liability insurance?

Public liability insurance reassures your customers that you – and they – are properly protected in case things go wrong. While it isn’t a legal obligation under UK law, your clients, industry regulator, or membership body may require you to have it.

Read more

Here’s an example public liability claim: a furniture fitter needed to claim on his insurance while working on a house. A cabinet he had installed fell off the wall and knocked a fellow contractor off a step ladder, causing injury to the contractor’s wrist and back. The claim was settled at £25,235, but the furniture fitter only had to pay the £250 excess.

Check out more public liability claim examples.

What does public liability insurance cover?

Public liability insurance covers your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you’re working on their property.

Typically, public liability covers:

• compensation payments for third party injury (or even death)
• repair or replacement costs, for damaged property or possessions
• medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out
• legal expenses, while you’re defending any of these claims

Read more on what public liability insurance covers.

How much public liability insurance do I need?

Simply Business offers a minimum level of £1 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.

It’s a good idea to check your policy when you take on each 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.

For more information check out our FAQ page, ‘How much public liability insurance do I need?’

Public liability insurance FAQs

This is a key cover for most businesses – our comprehensive FAQs answer some of the most popular questions about public liability insurance.

What’s the difference between public liability and general liability insurance?

Public liability insurance is a UK cover, which protects against claims from members of the public who are injured or suffer a loss and blame your business. General liability insurance is the name used in the USA for public liability insurance. Learn what the difference is between these two terms.

Read more

Is public liability insurance required by law?

If you have staff, it's likely that getting employers' liability insurance is a legal requirement. But while public liability insurance isn't required by law in the UK, it's worth considering and is an important cover for many businesses. It protects against claims and legal action for injury and property damage.

Read more

What’s the difference between public liability and employers’ liability insurance?

These two covers have similar names but there are important differences. Public liability insurance protects against claims from members of the public, who are injured or suffer a loss and blame your business. Employers' liability insurance protects against claims from employees, who are injured or get ill as a result of working for you.

Read more

How much does public liability insurance cost?

This depends on a number of factors, like the type of business you run and the level of cover you choose. It's easy to find out how much it might cost by running a quick quote online. Usually, businesses who insurers see as risky will pay more for their public liability insurance.

Read more

Is public liability insurance tax deductible?

Businesses can deduct costs when calculating taxable profit. These are known as 'allowable expenses' – and business insurance is an allowable expense. Make sure you keep records of income and expenses, including receipts and invoices, for HMRC. This also means keeping your policy documents safe.

Read more

Simply Business liability insurance - watch the details

To make sure you find a policy that suits your needs, ask yourself these questions:

• Do you have employees? If you do, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine
• Is your business insured for the right things? For example, if you work at heights above 10 metres, are you covered?
• Have you chosen the right level of cover for your business, and a level that’s acceptable to your clients?
• Check the policy documents before you buy - do any of the exclusions or excesses mean you won't be properly covered?

Selling products online?

We can cover your online trade, with specialist online retailers’ insurance, built for businesses that sell on the web.