What is public liability insurance?
Public liability insurance provides protection for you and your business if customers or members of the public sustain an injury, or damage to their property while at your business premises or when you're working in their home, office or business property.
You're also covered for legal costs and compensation claims.
What does public liability insurance cover?
Where options are selected, public liability insurance can provide cover for:
- Compensation claims should a third party sustain an injury.
- The cost of repairing or replacing property and possessions that have been damaged as a result of your work.
- Legal expenses in the event that you go to court to defend against a claim.
- Medical fees from hospital treatments due to injury received as a result of your business.
Who needs public liability insurance?
If you work with customers or from a third party property, you may need to arrange cover for public liability. Although it’s not a legal requirement, public liability insurance can cover legal fees and compensation costs should you be sued for injury or damage to property, so it's important to make sure you're protected.
Protection for your business
Tailor your insurance policy to suit your business needs.
Employers’ liability insurance
Protection for your business if an employee seeks to claim compensation due to an illness or injury in the workplace.Read more
Business equipment insurance
If your business relies on any special equipment, business equipment insurance can protect it from damage, theft and loss.
Business stock insurance
If your business keeps stock on the premises, business stock insurance can protect it from damage, theft and loss.
Insurance built for your business
For a policy that’s tailored to your business, choose the cover you need from our panel of insurers.
Shop insurance protects all types of retail businesses, from department stores to newsagents.
Cover that protects your food or drink based business whether it's a pub, a restaurant or a takeaway.
Cover to meet the specific needs of your business and provide protection for your office or surgery.
Insurance cover to meet the needs of people working in the education sector, from teachers and tutors to trainers.
Cover for contractors that provides protection tailored to your business needs.
Management consultants insurance is tailored to suit the specific needs of your consultancy business.
With over 25 years' experience providing insurance for businesses, our specialist UK based business insurance team can shape the right solution for you.
Products and services
We work closely with leading business insurers including Hiscox, Zurich, NIG and Allianz to provide you with flexible insurance options that are tailored to suit your business needs.