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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.
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.
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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 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.
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:
Read more on what public liability insurance covers.
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.
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To make sure you find a policy that suits your needs, ask yourself these questions:
Selling products online?
We can cover your online trade, with specialist online retailers’ insurance, built for businesses that sell on the web.