Public liability insurance

Why is public liability insurance important?

The UK’s most common accident is a slip, trip, or fall, and the majority of them happen out and about. Public liability insurance (PLI for short) is designed to protect your business against third party claims for injuries or property damage – from a customer or client to a passer-by or visitor to your premises, whether you’re at fault or not.

• liability insurance, UK-based claims and customer service team
• get it as a standalone cover or add it to a broader business insurance policy
• rated 4.7/5 based on 39K+ public liability customer reviews

Start your quote

What does business liability insurance cover?

Most UK public liability insurance policies are built to cover you for accidents on your premises or working off-site, from a customer tripping over your tool kit to damaging someone’s dress during hair-up at a wedding. It’s important to review a public liability insurance quote carefully, checking your insurer offers cover for the risks you face (for example, some insurers won’t cover accidents caused by your products).

Keep in mind, accidents caused by your employees will only be covered if you have employers’ liability insurance in place too.

How much does public liability insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Example public liability insurance quotes, real prices

Does public liability insurance cover my work?

Make sure you're picking the right cover to protect your business properly. Some examples of trades we cover include:

• Builders insurance
• Catering insurance
• Cleaning insurance
• Contractor insurance
• Hairdressing insurance
• Home baking insurance
• Online retailer insurance
• Pub insurance
• Public liability insurance for security guards
• Restaurant insurance
• Roofing insurance
• Takeaway insurance

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

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Example claim

Having liability insurance through Simply Business has saved small business owners thousands of pounds when the unexpected happened.

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. You can also check out our public liability insurance FAQs.

• 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

• 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.

  Read more

• 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.

  Here’s where public liability insurance can be useful: 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.

  Read more

• 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

• 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

• When do you need public liability insurance?

  If you deal with the public on a regular basis, you should seriously consider public liability insurance.

  Public liability insurance protects you if a member of the public sues you for injury or damage. While it's not required by law, it can protect you from crippling compensation costs. It's a popular choice of cover with tradespeople, hairdressers, restaurant owners and shopkeepers.

• How do I get public liability insurance?

  Getting public liability insurance for your business is easy.

  First, you'll need to get a quote from us. Just answer a few questions about your business, and we'll present you with a selection of insurers who offer the kind of insurance you're looking for.

  Once you've settled on the cover that's right for you, you'll be able to buy your insurance online in a matter of minutes. Or if you'd prefer, you can speak to someone in our contact centre who'll walk you through the process.

  Once you've bought your insurance, you'll be covered straight away and we'll email your policy documents over on the same day.

• Does public liability insurance cover my business for the actions of my employees?

  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.

• What’s the difference between paying by Direct Debit and paying in one lump sum for public liability?

  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:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

  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 installments.

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