Public Liability Insurance

Cover for injury or property damage claims

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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.

Legal expenses

If you have to attend court or pay legal fees

Property damage

Accidental damage to someone
else's property


Accidental injury to clients
or members of the public

What’s included

  • 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.

Get a quote for Public Liability Insurance

If you've 0-9 employees, you can get a quote then buy, all online.

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Over 9 employees? Buy through a broker