What is Public Liability Insurance?
Accidents can happen unexpectedly, and sometimes the people involved get hurt. Public Liability Insurance helps protect your business against personal injury or property damage claims from members of the public.
So, if someone makes a claim against your business, our cover could pay the costs you are held responsible or liable for, such as legal fees and expenses, as well as any compensation payouts. This means you can focus on running your business while we deal with the claim and paperwork.
Do I need Public Liability Insurance?
It isn’t a legal requirement to have Public Liability Insurance, but you might want this cover if there’s a chance your business will interact with the public.
Whether you, or someone you employ, causes accidental damage or injury to someone visiting your place of work, in a customer’s home or while you’re working on site, our cover could handle these claims from start to finish.
What does Public Liability Insurance cover?
Our insurance could help protect your business against claims from members of the public.
If you have to attend court or pay legal fees
Accidental damage to someone
Accidental injury to clients
or members of the public
- Legal expenses
We’ll cover legal defence fees including any compensation you owe, and if you need to attend court we'll pay up to £500 per day
- Accidental damage cover
You’ll get accidental damage cover for employees and visitors – including vehicles and belongings
- Injury cover
We’ll provide injury cover for working partners if your business is a partnership
- Flexible cover options
Choose from £1m, £2m and £5m cover to suit your contract or trade
For specific trades, you’ll also get:
- Hairdressers Liability
We’ll cover you if your client has suffered hair or scalp damage due to a treatment
- Products Liability
Cover if a product you make or supply causes accidental injury to someone or damages their property
What isn’t included
Like all insurance policies, there are some things we can’t cover including:
- Injury cover for employees
We can’t cover your employees for injuries – for that, you’ll need Employers’ Liability Insurance
- Repair or damage costs
To a product you supplied or work you completed, including the cost of removing or replacing it (also includes work completed on your behalf)
- Payment of fines and penalties
We can’t pay for fines and penalties
- Environmental issues
Any damage that occurs from pollution or contamination, or any asbestos-related claims
For more information about our covers and exclusions please refer to the summary of cover documents.
Why choose Aviva?
Because, when trouble strikes, we make claiming quick and hassle-free. Here are a few examples of how we could help businesses like yours*
Injured a member of the public?
Joseph’s building firm began working at a new site when a loose plank of wood fell on a pedestrian, breaking their wrist.
Damaged someone’s property?
Mark was cleaning inside a client’s home when he accidentally broke a window. Mark advised his client that his insurance would likely cover the repair. The claim was successful and we fixed the window as soon as was convenient to Mark's client.
Hit by costly legal fees?
A client took Maria’s IT business to court after claiming she’d damaged several new computers and accidentally injured one of their staff members. The cost of the damage and compensation claim was more than Maria’s business could afford so she made a claim. We handled the claim by paying the client and covering the compensation costs.
*These examples are for illustrative purposes only and are not based on real people.
Find out more about our Business Insurance covers
Depending on the type of business you run, you might need additional cover. Here are a few options you can purchase with Public Liability Insurance.
Tools, Stock and Business Equipment Insurance
If you work from home and don’t own or rent business premises.
Employers’ Liability Insurance
If you have employees ‐ unless they’re related to you ‐ it’s a legal requirement to have this cover in place.