Public Liability Insurance

Public Liability Insurance

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What is Public Liability Insurance?

Public liability insurance is designed to protect you and your business against legal and compensation costs for any accidents that your business is liable for, injuring or causing damage to the property of clients, suppliers, or members of the public.

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Compensation and legal fees

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Adjustable cover

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Select from £1m, £2m or £5m cover

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Why would I need public liability cover?

For protection against compensation culture

The rise of 'no win, no fee' services has caused an increase in public liability claims, which could lead to a case even if you’ve done nothing wrong. Although public liability insurance isn't a legal requirement in the UK, it's particularly important if your business involves interaction with members of the public, suppliers or contractors.

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To cover damage at your office

Unlike some policies, our public liability insurance covers your liability to your landlord or co-working space if you accidentally damage the premises you rent or hire (including fixtures and fittings). If you've ever rented a property, you'll know how quickly this can add up by the end of your tenancy, when trying to get back your deposit!

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To stay competitive

Companies often insist that suppliers have public liability insurance, so you could be at a competitive disadvantage if you don't. Some industry regulators and membership bodies also insist on public liability - sometimes with specific amounts of cover, so it's worth checking yours.

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Is public liability insurance required by law?

Public liability isn't mandatory by law in the UK. However, the unexpected costs of a claim against your business could be devastating, so it's important to weigh up the relatively small cost of public liability versus the potentially devastating costs associated with a claim.

Examples of public liability claims:

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A customer slipping on a wet floor

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Accidentally drink spillage on tech

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Trips and falls

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What risks does public liability insurance cover?

Accidents happen. Whether it’s a slip, trip, fall or someone injuring themselves using your equipment – it could lead to a lawsuit. There are many ‘no win, no fee’ services these days, which means you can still face a liability or compensation claim even if it wasn’t your fault. Public liability protects you should a claim be made.

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Public liability insurance

is designed to protect your business against claims made by a member of the public, in relation to injury or damage to their property due to an incident at your business or as a result of your business carrying out work. A 'member of the public', by this definition, is anyone not employed by your business. So, this could be a contractor, customer, supplier, or anyone else.

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We've made insuring your business simple. Get started.

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