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Public liability insurance

Comparing public liability policies is free, fast and simple

Comparing public liability policies is free, fast and simple

Comparing public liability policies is free, fast and simple

Comparing public liability policies is free, fast and simple

Comparing public liability policies is free, fast and simple

What is public liability insurance?

Public liability insurance can provide protection if you’re taken to court because your business activities cause damage to someone else’s property or result in someone being injured or killed. It can cover your legal costs and any compensation you may have to pay.

Any business can take out public liability cover, regardless of size or type. This includes those who are self-employed, freelancers and sole traders.

Some companies and organisations will only award contracts if the business concerned has public liability insurance in place.

What does public liability insurance cover?

If anyone visits your premises, public liability insurance may cover you for:  

Compensation claims 

Public liability insurance can cover legal fees and compensation owed, if someone is injured or suffers losses that your business is accountable for. 

Damage to visitor property 

If you, or one of your employees, is carrying out work on a customer’s premises and causes damage, you may be liable to pay compensation. Public liability insurance may cover these fees for you. 

Cost of repairs 

If you, or your business, causes damage to someone’s property or contents, your insurance may cover the cost of repairs. 

Medical fees 

If someone suffers an injury or illness, owing to negligence or malpractice, you may be forced to cover the cost of medical treatment. Your insurance can protect you from having to pay these fees yourself.  

Injury or death 

If someone is injured or dies on your business’ property, or work carried out is found to have been the cause, you will be held accountable. Public liability insurance may cover the significant cost of compensation. 

Want to know more? Read about

>> Public liability insurance for small businesses 
>> Business insurance if you work from home 
>> Energy supplies for your business 

How much does public liability insurance cost?

Size of your business 

The price will be determined by the size and type of your business

Type of your business 

Manual businesses generally pay more than clerical ones

May have to pay more 

You may have to pay more if you’ve made claims in the past

What do I need to get a quote?

When you start a public liability quote with us, it’s a good idea to have some basic information about your business, including:

• Your trade or profession
• Type of business (sole trader/partnership/limited company)
• How long you’ve been in business
• Your expected turnover for the year ahead

We’ll ask you questions to make sure we have all the information we need to provide you with a list of suitable quotes.

The quote process will also give you the option to include other types of business insurance, such as cover for your business equipment and premises.

Get a quote

Why use Compare the Market to compare public liability insurance?

Find public liability quotes from our range of specialist providers. 

See quotes from a range of specialist providers

Get a price in under 4 minutes^^

Option to call for expert help from our trusted partners at Simply Business on 0333 016 5956***

^^On average it can take less than 4 minutes to complete a business insurance quote through Compare the Market based on data in February 2020.

***Lines are operated by our trusted partner, Simply Business. Open Mon-Fri 9am-6pm, Sat 9am-2pm

What our expert says…

Wouter Van Rijn

Business insurance expert

"When you’re running a business, there’s always a possibility that you might accidentally do something that results in harm to someone or damage to their property. If there's legal action as a result, there may also be a requirement to pay compensation. If you have no insurance in place, the legal costs and compensation payments can be financially crippling, but public liability insurance provides valuable peace of mind, whatever type of business you have."

Do I need public liability insurance? 

Public liability insurance is not compulsory (except in certain cases, such as if you own a riding stables). You can call our partner Simply Business on 0333 016 5956***, if you’re not sure. Businesses that interact with the public, such as restaurants, consultants, shop owners, gardeners and beauticians, are urged to take out public liability insurance in case a claim for compensation or damages is made against them. 
 
Types of business/profession which should consider taking out public liability insurance include: 

Frequently asked questions

What is not covered by public liability insurance?

Typically, public liability insurance doesn’t cover damages to your business, nor injuries or death to you and your employees. This type of insurance is to cover you against claims from third parties. To cover you and your business against these circumstances, you should consider taking out business insurance
 
Policies vary though, and you should read your policy carefully to be completely aware of what you’ll receive cover for. 

If public liability insurance isn’t compulsory, why should I bother?

If it’s at all possible that someone might make a claim against you for an incident that arises from your business activities, then public liability insurance can give you peace of mind. It also makes good business sense - clients may well want to see your public liability insurance certificate before awarding you a contract or giving you business.

Local government or council contracts will usually ask you to provide proof of public liability insurance with a minimum cover level of £5 million before they do business with you.

Some business trade associations won't let you become a member or register with them unless you have a valid liability policy.

How much public liability cover do I need?

All businesses are different, so the amount of public liability cover your organisation needs will depend on several factors, including how much contact you have with the public, the types of clients you work with, for example local authorities, and the size of your projects.

Does it cover employees?

Public liability insurance won’t cover employees, temporary staff, students or interns - for those, you’ll need employers’ liability insurance.

Do I need public liability insurance if I’m self-employed?

Whether you need public liability insurance or not depends on what type of business you run, rather than the number of people working in the business. If people visit your premises - say, if you run a shop - then yes, it can make sense to cover the potential risks. Talk to an advisor on 0333 016 5956*** if you’re not sure whether you need it.

Do small businesses need public liability insurance?

While a small business may appear less susceptible to compensation claims, any claims that are made against you may do considerably more damage, financially, leaving your business vulnerable. To avoid this, you should at least consider the idea of protecting yourself with small business public liability insurance

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