Liability insurance that works for your business
Aviva Public Liability Insurance helps protect your business against personal injury or property damage claims from your clients, visitors or from the general public.
When someone makes a claim against your business, this insurance can cover the costs that you are held responsible or are liable for. This could include legal fees and expenses, as well as any compensation.
We protect hundreds of different types of trades and businesses. If you’re set up as a sole trader, limited company or partnership we can help.
Run your business while we protect it for you.
You’ll find it easy to buy online and your documents are available 24/7.
Choose to pay annually by debit or credit card, or monthly at no extra cost.
You’ll find our UK-based team ready to help you make a claim.
What does Aviva Public Liability Insurance cover?
Aviva’s Public Liability Insurance helps protect your business against personal injury or property damage claims from your clients, visitors or the general public. You may need cover for these three important risk areas. These examples below are for illustrative purposes only and are not based on real people.
Accidental damage to someone else'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 reimbursed Mark for the cost of the repair.
Accidental injury to clients or members 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.
Compensation, costs and expenses
If you have to attend court or pay legal fees
Sometimes a claim can involve litigation, like the time when Maria’s IT business was taken to court for causing damage to several new computers and accidentally injuring one of her customer's staff members – Aviva dealt with the claim, covering the compensation and costs involved.
- Accidental damage
You’ll get accidental damage cover for employees and visitors – including vehicles and belongings
We’ll provide injury cover for working partners if your business is a partnership
- 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
- 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 Aviva Public Liability Insurance?
Here are three key reasons our Public Liability insurance will be there for you.
Aviva makes it easy to manage your cover
- Aviva’s Public Liability Insurance is online 24/7, helping to protect your business against personal injury or property damage.
- Check your policy documents online, easily and securely.
- You can pay premiums monthly at no extra cost.
Aviva has the experience – your business can benefit
- We know insurance and we know business. We've supported people and their businesses through life's challenges for more than 320 years.
- Aviva’s Public Liability Insurance covers hundreds of different types of trades and businesses.
- Our UK-based underwriting experts can support your business's Public Liability needs.
Aviva has financial muscle – your business can trust us
- Aviva’s Public Liability Insurance is provided by a leading international savings, retirement and insurance business serving over 33 million customers.
- In 2019 we paid our customers £33.2 billion in claims and benefits.
- Our total group assets under management are £522 billion.
*All figures at 31 December 2019. For more information www.aviva.com/about-us
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. It doesn’t cover your employees, just other people your business comes into contact with.
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.
Frequently asked questions
Do I need public liability insurance and is it a legal requirement?
What types of businesses need public liability insurance?
How much cover does my business need?
How much does public liability insurance cost?
Is public liability insurance tax deductible?
What is product liability insurance and how is it different from public liability insurance?
What is employers’ liability insurance and how is it different from public liability insurance?
Other business insurance cover from Aviva
Depending on the type of business you run, you might need additional business insurance 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.
Professional Indemnity Insurance
If your client claims you have provided inadequate service or advice.