Public liability insurance
What is public liability insurance?
Public liability insurance is designed to protect against legal and compensation costs for any accidents that your business is liable for, injuring or causing damage to the property of clients, suppliers, or members of the public.
- Compensation costs
- Legal costs
- Select from £1m, £2m or £5m cover
Get public liability insurance in less than 10 minutes
Flexible monthly subscription. No fees to change or cancel your cover.
Why would I need public liability cover?
For protection against compensation culture
The rise of 'no win, no fee' services has caused an increase in public liability claims, which could lead to a case even if you’ve done nothing wrong. Although public liability insurance isn't a legal requirement in the UK, it's particularly important if your business involves interaction with members of the public, suppliers or contractors.
To cover damage at your office
Unlike some policies, our public liability insurance covers your liability to your landlord or co-working space if you accidentally damage the premises you rent or hire (including fixtures and fittings). If you've ever rented a property, you'll know how quickly this can add up by the end of your tenancy, when trying to get back your deposit!
To stay competitive
Companies often insist that suppliers have public liability insurance, so you could be at a competitive disadvantage if you don't. Some industry regulators and membership bodies also insist on public liability - sometimes with specific amounts of cover, so it's worth checking yours.
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Public liability insurance FAQs
Public liability insurance is designed to provide cover for legal and compensation costs in relation to a claim against a business due to injury or property damage inflicted on a non-employee. This includes claims against the business by members of the public (such as clients, contractors, or any other non-employee) but does not include employees, for whom you need employers' liability insurance.
It's not a clear-cut answer, but this is up to you! If you're a member of a professional or regulatory body, you may find that a minimum level and type(s) of cover are required. If you're a freelancer or contractor, you may find that clients typically require certain cover(s) and levels of cover before working with you.
Public liability isn't mandatory by law in the UK. However, the unexpected costs of a claim against your business could be devastating, so it's important to weigh up the relatively small cost of public liability versus the potentially devastating costs associated with a claim.
Public liability insurance isn't a legal requirement in the UK. However, this doesn't mean businesses don't need it. Without adequate cover, the unexpected legal and compensation costs associated with a claim (e.g. someone suing your business for injury or property damage), could bankrupt a business.
Accidents happen. Whether it’s a slip, trip, fall or someone injuring themselves using your equipment – it could lead to a lawsuit. There are many ‘no win, no fee’ services these days, which means you can still face a liability or compensation claim even if it wasn’t your fault. Public liability protects you should a claim be made. Find out more about what public liability insurance covers.
Check your client contracts to see whether they require a minimum level of cover before you choose your plan. When you’ve found an insurer you’re considering signing with, make sure they are aware of the risks that employees face while working with you (heavy lifting, working with chemicals, etc.).
Public liability does not cover employees - it's designed to cover members of the public. To cover employees, you'll need to have employers' liability insurance, which is a legal requirement in the UK if you have one or more employees.
The difference is that while public liability insurance covers injury and property damage claims made by a a member of the public (e.g. anyone from a customer to a complete stranger), employers' liability insurance covers the same types of claims made against you by an employee.
Yes. Public liability insurance is an 'allowable expense', which means that it's tax deductible in the UK.
My business doesn't involve much interaction with members of the public - do I need public liability insurance?
Even if your business is office-based, you’ll no doubt have clients or members of the public visiting you from time to time, or your staff will spend time out and about at events. And if an accident happens, either on your premises, or as a result of your activities elsewhere, you could be held liable, with serious financial repercussions for your business.
Customise your cover
To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.