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 PL 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 PL - sometimes with specific amounts of cover, so it's worth checking yours.
public liability cover?
What is public liability insurance?
Public liability insurance covers businesses against injury or property damage to clients, contractors, suppliers and the general public. It’s one of the most common types of insurance. In 2018/2019, the UK government's Compensation Recovery Unit recorded 85,472 public liability claims.
Who needs public liability cover?
It’s a minimum level of cover to consider for any business that comes into contact with the general public, including clients, suppliers, contractors or anybody else not employed by the business. If your work requires lots of contact with members of the public, such a photography or a physical business, it's definitely something to think about.
What risks does public liability insurance cover?
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.
What to look for in a public liability policy
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.).
Does public liability cover damage or injury to employees?
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.
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Public liability insurance FAQs
Though it’s not a legal requirement in the UK, you may find that clients and suppliers require public liability insurance as a condition of working with them, so it's something that most businesses will consider.
You most likely should consider public liability insurance, regardless of your business type. Find out more about the reasons for having public liability insurance.
This, like with most other policies, depends on the nature of your business. With Superscript, you can choose between £1m, £2m or £5 million cover.
The excess on this cover is £250 per claim. This means that should you need to make a claim, you'll need to contribute £250 and we'll cover the rest of the costs. Please be aware, however, that for offline advised clients who have tailor-made policies, the excesses do vary depending on the risk.
PL with Superscript starts at £5.13 per month, but this will depend very much on your business and the risks it needs cover for. Find out more about the factors that impact the cost of public liability insurance.
Yes, public liability insurance is tax deductible for UK businesses.
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.
Although it's not a legal requirement, public liability is a popular cover for self-employed professionals. Find out more about public liability for self-employed professionals.
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.
Boost your cover from £10.08 per month
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.