Public Liability Insurance

protect your business against compensation claims

What is public liability insurance?

Public liability insurance protects your business against compensation claims and their legal costs if you cause injury (including death) to a third party or damage to their property. Public liability insurance covers you on your premises and working off-site. It can cover legal costs defending claims and pay compensation if your business is found to be at fault.

What does public liability cover?

Compensation claims
For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

Legal expenses
Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

Cost of repairs  
The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood.

Medical fees
The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

Do I need public liability insurance?

Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it. For example, clients may stipulate that you must have a minimum level of public liability insurance in place before you can work for them. If you wish to undertake public sector contract work, you will almost certainly need public liability cover. It’s even possible you could be pursued by the NHS to cover the cost of medical treatment received by the individual who was hurt. All in all, you could face a bill for many thousands of pounds - potentially enough to put a small firm out of business.

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