What is Public Liability Insurance

21st August 2020 2 min read

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