Third party liability insurance

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Protection if something goes wrong

If an accident happens and someone blames your business, liability insurance can give you the support you need to get back on your feet.

Third party liability insurance - usually called public liability insurance in a business context - is important for businesses that come into contact with the public.

‘Third party’ includes your customers, clients, suppliers, and any other member of the public, who could make a compensation claim against you if they’re injured or their property is damaged.

You can buy your liability insurance as part of a tailored business insurance policy from Simply Business.

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What does third party liability insurance cover?

Third party liability insurance (public liability insurance) can cover the cost of legal fees and compensation costs if someone sues your business for injury or damage.

For example if you run a cafe and a supplier slips on a trailing cable while delivering ingredients, or if you’re a builder and you accidentally damage a parked car while moving your equipment. In these examples, the person who has suffered injury or damage (the ‘third party’) could claim compensation. The compensation amount can take into account things like medical bills, lost income, and replacement or repair costs. If you’re found liable, you will usually have to pay the legal fees of the other side as well as your own legal fees.

Your public liability insurance can cover these costs, up to the limit of your policy. Simply Business offers £1 million of cover up to £10 million.

Why Simply Business?

  • We’re one of the UK’s biggest business insurance providers
  • All settled claims paid within 24 hours
  • 9/10 Feefo ratings say we’re good (or excellent)
  • 475,000 customers (and counting)
  • Claims handled by an award-winning team
  • We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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