Business Insurance
Public Liability
Essential cover for any business that interacts with the public. Public liability insurance protects you from the financial impact of injury or property damage claims made by third parties.
Overview
What is public liability?
Public liability insurance covers your business against claims brought by members of the public — including customers, clients, and passers-by — who suffer bodily injury or property damage as a result of your business activities.
Whilst not a legal requirement for most businesses in the UK, it is widely considered an essential form of protection. Many clients, councils, event venues, and commercial landlords will not engage with a business that cannot demonstrate adequate public liability cover in place.
Cover limits typically start at £1 million and can extend to £10 million or more, depending on the nature and scale of your operations. Our advisers will help you establish the appropriate level of cover for your specific activities.
Coverage
What does it cover?
Third Party Injury
Covers compensation claims and legal costs if a member of the public is injured as a result of your business activities. Includes medical expenses and loss of earnings claims.
Property Damage
Provides cover when your business operations cause damage to a third party's property, whether on your premises, at a client's site, or in a public space.
Legal Defence Costs
Meets the cost of legal representation when a claim is made against you, including solicitor fees, court costs, and expert witness fees — regardless of whether the claim succeeds.
Suitability
Who needs it?
Tradespeople
Builders, electricians, plumbers, and other tradespeople working in or around client properties face a daily risk of accidental injury or damage. Public liability is considered essential in this sector.
Retailers
Shops and showrooms with public footfall must protect against slips, trips, and falls on their premises. Many commercial leases also require tenants to hold public liability cover.
Event Organisers
Anyone organising an event where members of the public gather — from markets and exhibitions to corporate functions — will typically require public liability insurance as a condition of the venue.
Service Businesses
Cleaning companies, caterers, delivery operators, and other service businesses that interact with the public or operate at third-party sites carry real liability exposure on every job.
Get Started
Ready to get protected?
Speak to one of our advisers — no obligation, no jargon.