Public liability insurance

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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.

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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 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.

Need more detail? Read our FAQs:

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.

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“Been a customer for several years now for public liability insurance. A pleasure to do business with.”

Jason Cooper, Tradesman

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We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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