Public Liability Insurance Protect Your Business From Claims By The Public
Public liability insurance can cover compensation and legal costs if a member of the public says they were injured, or their property was damaged, because of your business.
WHY PUBLIC LIABILITY MATTERS
One Claim Can Be Costly
Even a small accident at a client's home or your premises can lead to a claim. Public liability insurance can help, subject to the policy terms.
Customers at Your Premises
If customers visit you, a slip or trip could lead to a claim against your business.
Working on Clients' Premises
Tradespeople and staff working off-site can accidentally cause injury or damage.
Client Contracts
Clients may require you to hold public liability insurance as a condition of their contract.
Legal Costs
Cover can include legal defence costs as well as compensation.
UNDERSTANDING COVER
Know What Your Policy Is Designed To Do
Public liability policies differ, so it's important to understand what yours covers, and what it doesn't.
Injury to the Public
Can cover compensation and legal defence costs if a member of the public says they were injured because of your work.
Damage to Their Property
Can cover damage to a member of the public's property caused by your business, such as a customer's oven damaged during cleaning work.
Products You Supply
Some policies also cover claims about products your business supplies, distributes, modifies or sells.
Not Usually a Legal Requirement
Public liability insurance isn't usually a legal requirement in the UK, but your clients may ask for it.
Not for Your Employees
It doesn't cover injury to your own employees. That's what employers' liability insurance is for, which most employers must have by law.
Not for Professional Advice
Claims about advice you give aren't covered. Professional indemnity insurance is designed for those.
YOUR CHOICES
Your Cover Is Shaped By The Choices You Make
These choices affect how your public liability cover works for your business.
Level of Cover
Choose a limit that suits your work and contracts. Some businesses feel £5 million is enough, while higher-risk trades may choose £10 million.
Your Trade
The type of work you do affects the risks you face and the cover you need.
Where You Work
Whether customers visit you or you work on their premises affects your risks.
Contract Requirements
Check whether your clients' contracts set a minimum level of cover.
Employers' Liability
If you employ staff, you'll usually also need employers' liability insurance with cover of at least £5 million.
Products
If you make, supply or sell products, check whether claims about them are included.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
WHY CLIENTS TRUST US
Protection Designed Around Your Lifestyle
Helping individuals, families and businesses protect what matters most.
Financial Security
Safeguard your hard-earned assets against unexpected life events.
Family Protection
Help your loved ones cope financially if the worst happens.
Income Replacement
Keep money coming in if illness or injury prevents you from working.
Property Security
Shield your home and personal valuables from unexpected damage or loss.
Business Continuity
Protect your company's revenue, key employees, and future operations.
Peace Of Mind
Your adviser can help you understand your options at every step.
Clear Advice
We explain what each policy covers, and what it doesn't, before you decide.
Regular Reviews
Your needs change over time, so it's worth reviewing your cover after big life events.
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FAQ
Common Questions
Everything you need to know about public liability insurance
What is public liability insurance? 
It's business insurance designed to cover compensation and legal defence costs if a member of the public says they were injured, or their property was damaged, because of your work.
Is public liability insurance a legal requirement?
It isn't usually a legal requirement in the UK, but your clients may require it as a condition of their contract. Employers' liability insurance is different: GOV.UK says you need it as soon as you become an employer, with cover of at least £5 million.
Does it cover injury to my employees?
No. Injury to your own employees is covered by employers' liability insurance. Most employers must have it by law, and GOV.UK says you can be fined £2,500 for every day you're not properly insured.
How much cover do I need?
It depends on the work you do and any contract requirements. Some businesses feel £5 million is enough, while those in higher-risk fields may choose £10 million.
Does it cover mistakes in my advice?
No. Claims about professional advice you give aren't covered by public liability insurance. Professional indemnity insurance is designed for those.