Public Liability Insurance

I want to protect my business against the cost of compensation for personal injuries, loss of or damage to property and death

Public liability insurance, is there to protect you when a claim is made against you by one of your customers, clients, contractors, or members of the public, following a financial loss or injury they have suffered because of your business actions.

It’s one of the main types of business insurance and although it’s not a legal requirement it’s usually taken out by businesses that interact with the public.

Business activities

Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. It covers the cost of compensation for personal injuries, loss of or damage to property and death.

Policies vary from insurer to insurer, but most public liability policies cover you for incidents that occur on your business premises, or incidents that take place off-site, at events or activities organized by your company.

Business premises

You should consider public liability insurance if you own business premises that members of the public, customers or clients visit, or your business organises off-site events or activities that are attended by members of the public.

Also cover is required if you run a business from your home and people visit your home for professional purposes. If you own a horse-riding establishment then you are legally obliged to have public liability insurance.

Insurance cover

It is up to you to decide how much public liability insurance you need. As with other types of insurance cover, the cost of your public liability insurance will depend on several factors, including the type of business, you run and the level of cover you select.

If your business is perceived as high risk, you can expect to pay a larger premium for your public liability insurance.

Public liability insurance isn’t designed to cover employees. Most policies will allow you to add Employers Liability onto the policy.