Public liability insurance explained

If you run a business, anyone can make a claim if they believe they’ve been injured or that their property was damaged by you or your employees. Public liability insurance guards against claims that can cause stress and cost you time and money. We can cover you up to £10 million for legal costs, compensation and expenses.
It’s often a surprise to business owners just how many incidents could result in a claim, and it doesn’t even have to happen on your property. Putting public liability insurance in place takes away a whole host of unknowns, so you can get on with running your business. Product liability insurance works as part of your public liability cover to give you an extra layer of protection.
What does public liability cover do?
If a customer or member of the public makes a claim against your business, public liability insurance covers the legal fees and compensation payments you’d need to pay. Even if you’re not at fault, we’ll cover all your costs - we can’t take away the headache of a claim, but we can make sure it doesn’t come out of your pocket.
When should I get public liability insurance?
Public liability isn’t a legal requirement, but with the sheer number of things you can’t plan for, it gives security to have a policy in place. It’s not just for the obvious injuries and potential damage you might have thought of, it’s for all the other things you can’t spend your time trying to second guess. Even if you only work from your own premises, a client, visitor, or any other member of the public could be injured there.
How much public liability cover will I need?
We’ll work with you to put together the right policy, to give you peace of mind and free up your attention for running your business. The value of the cover you’ll need will depend on the kinds of costs that could arise from the work you do and any injuries or damage that might occur.
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