Public Liability Insurance

Cover for injury or property damage claims

What is Public Liability Insurance?

Accidents can happen unexpectedly, and sometimes the people involved get hurt. With Public Liability Insurance, it 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 pay outs. 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 all 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

Legal expenses

If you have to attend court or pay legal fees.

Property damage

Property damage

Accidental damage to someone else’s property.

Injury

Injury

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.
  • Get up to £500 per day if you need to attend court
  • 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
  • Any asbestos-related claims

See a full list of covers and exclusions in our summary documents below.

How can Public Liability Insurance help?

Every claim we receive from our business customers is different. Here’s a few examples of how we could help businesses like yours.*

Injured a member of public?

Injured a member of public?

Joseph’s construction company began working in a new location when a loose plank of wood fell on a pedestrian and broke their wrist. Joseph took the person’s details, contacted his insurer to make a claim. We compensated the pedestrian and Joseph only had to cover the excess.

Damaged someone’s property?

Damaged someone’s property?

Mark was cleaning inside a client’s home when he accidentally shattered a window. He assured his client that his insurance would cover the costs of replacing the broken window. Mark made a successful claim and we fixed his client’s window at their earliest convenience.

Covering costly legal fees

Covering 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 Public Liability Insurance quote

Do you own a business and have between 0-9 employees? Get an online quote now to see how much Public Liability Insurance costs.

Do I need any additional business insurance?

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:

Buildings and Contents

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Buildings and Contents

If you operate from owned or rented business premises.

Tools, Stock and Business Equipment

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Tools, Stock and Business Equipment

If you work from home and don’t own or rent business premises.

Employers’ Liability

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Employers’ Liability

If you have employees ‐ unless they’re related to you ‐ it’s a legal requirement to have this cover in place.

Professional Indemnity

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Professional Indemnity

If your client claims you have provided inadequate service or advice.

Workplace Pensions

Setting up a new scheme or transferring from another provider? Our workplace pension can help your employees save for retirement.

Business health

Help look after your employees with our health, protection and wellbeing cover.