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.
If you have to attend court or pay legal fees
Accidental damage to someone else's property
Accidental injury to clients or members of the public
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
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:
We’ll cover you if your client has suffered hair or scalp damage due to a treatment
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
Any damage that occurs from pollution or contamination, or any asbestos-related claims