Public Liability Insurance
Essential protection for your business against claims from third parties for injury or property damage. Cover from £1 million to £10 million and beyond.
What Public Liability Covers
Public liability insurance protects your business against claims from third parties who suffer injury or property damage as a result of your business activities.
Third-Party Injury
Cover for claims from members of the public who are injured as a result of your business activities.
Property Damage
Protection against claims for damage to third-party property caused by your business operations.
Legal Defence Costs
Cover for legal fees and court costs when defending claims, even if the claim is unfounded.
Work-Related Incidents
Protection for incidents occurring while carrying out work at client premises or public locations.
Product-Related Claims
Cover for injury or damage caused by products you supply (often combined with product liability).
Accidental Pollution
Some policies include cover for sudden and accidental pollution incidents.
Common Public Liability Claims
Public liability claims can arise from everyday business activities. Here are some common scenarios where cover would respond:
- A customer slips and falls on your premises
- Your work causes damage to a client's property
- A member of the public is injured by your equipment
- Your products cause injury or damage to a third party
- Accidental damage during installation or service work
- Fire or water damage spreading to neighbouring properties
Cover Limit Guide
Common Questions
Is public liability insurance a legal requirement?
Public liability insurance is not a legal requirement in the UK. However, it is often required by clients, landlords, and contracts. Many businesses consider it essential protection against potentially devastating claims.
How much public liability cover do I need?
The amount depends on your business activities and contractual requirements. Most businesses opt for £1m-£5m. Higher-risk activities or larger contracts may require £10m or more. We can advise on appropriate limits for your situation.
What's the difference between public and employers' liability?
Public liability covers claims from third parties (customers, suppliers, members of the public). Employers' liability covers claims from your employees. If you have employees, you legally need employers' liability insurance.
Does public liability cover my products?
Basic public liability may include some product cover, but for comprehensive protection, you may need separate product liability insurance. This is particularly important for manufacturers, importers, and retailers.
Get Your Public Liability Quote
To provide an accurate quote, we'll need the following information: