Public Liability Insurance That Works For You

Our public liability cover protects you and your business should a member of the public hold you responsible for accidental bodily injury to damage to a third party, or damage to their property or bodily injury, due to your negligence. We can cover a huge range of professions, from tradesmen to cakemakers and lots in-between.

All business owners and tradespeople have a duty of care for those they work for, and to the general public at large. If things go wrong and an accident occurs, then there is the chance you may be alleged to have been at fault.

If this happens, public liability insurance will initially protect you by paying your legal defence costs. In the event that you are found to be at fault and responsible, a public liability policy will pay compensation for the damages arising from the accidental third-party bodily injury or accidental damage caused to their property, up to the limit of indemnity under your policy.

Features of Public liability insurance

Standard cover

What is public liability insurance?

It’s fair to say that if your work interacts with the public on a daily basis or is performed in a public area, you’ll need this cover - but what is public liability insurance? It provides legal defence and compensation protection for your business, if a third party alleges accidental bodily injury, or damage to their property, caused by you when visiting your business premises, or when you are working in their home, office or business property. (A common exclusion is damage to property being worked upon.)
Public Liability Insurance is a type of insurance policy that provides financial protection to individuals or organizations against third-party claims for property damage or bodily injury. This type of insurance covers the policyholder for any legal liability to pay compensation to third parties for death, injury or damage to their property caused by the policyholder's business activities. It is often a requirement for businesses that have customers or clients visiting their premises.

Do people need public liability insurance?

Each business is different, but for many, public liability insurance is essential as accidents can happen causing injury to members of the public or damage to their property. For smaller businesses who work on smaller projects or with less interaction with the public will often choose lower maximum indemnity limits. We can tailor indemnity limits to meet your needs: popular cover ranges are from £1-10 million with higher amounts available. We suggest minimum levels of at least £2 million to cope with potential major personal injury claims that can arise.

It depends on the individual or organization's circumstances. Public liability insurance is not mandatory for all individuals or organizations, but it is recommended for anyone who interacts with the public or has clients or customers visiting their premises. It can provide financial protection in the event of a claim being made against them for third-party injury or property damage.

For example, if you run a small business, have frequent face-to-face interactions with clients or customers, or use public spaces to conduct your work, then public liability insurance can offer peace of mind and financial security. It can help cover the costs of legal defense and compensation in the event of a claim.

So, whether you need public liability insurance depends on the nature and scope of your activities and the risks involved. It's a good idea to assess your specific needs and consult with an insurance professional to determine whether public liability insurance is appropriate for you.

Public liability insurance for a range of trades

We provide cover for a range of business types including tradesmen, shops, mobile businesses, health and beauty professionals, those who work with animals, delivery and removals - and many more. Tell us all about your business and we’ll do our best to find you suitable cover.
Public liability cover from £1-10 million

Typically, our clients request cover from between £1-10 million for any one event, but higher limits are available if required. We suggest minimum levels of at least £2 million to cope with potential major personal injury claims that can arise. Don’t forget to consider the locations, values and types of property where you work and also contracts for any insurance conditions. If you’re unsure how much cover you need, tell one of our knowledgeable advisers about your business and they’ll be able to help you get the right cover.

Professional Indemnity

Professional Indemnity Insurance, also known as Errors and Omissions Insurance, is a type of insurance policy designed to protect individuals and organizations from financial losses arising from claims of professional negligence or failure to perform professional duties.

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Office liability Insurance

Office Liability Insurance is a type of insurance policy designed to provide financial protection to businesses for risks associated with their office or workplace. This type of insurance covers the policyholder against third-party claims for injury or damage to property that occurs on the office premises.
Office Liability Insurance typically includes coverage for property damage, personal injury, and other types of liability claims that may arise in the course of business operations. The policy can help cover the costs of legal defense and compensation in the event of a claim.

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