Essential cover

Public liability insurance

Fast, flexible and affordable cover for any business working with third-parties

Get a quote in 4 minutes from £5.13 per month.

50% of our customers pay less than £10 a month for PL cover.

Public liability insurance quote

From£
5.13
per month

Why buy public liability insurance?

A changing and unpredictable business landscape demands a fresh, innovative and adaptable approach to business insurance. Say goodbye to inflexible year-long contracts, and hello to the insurance solution built around your business needs.

Our highly flexible public liability insurance is designed to provide cover for legal and compensation costs relating to any claim made against your business due to injury or property damage inflicted on a non-employee.

With our trusted and affordable insurance policies you’ll enjoy benefits such as:

  • Fully flexible and adjustable cover
  • Compensation and legal fees
  • Monthly subscription, no long-term commitments
  • Option to choose from £1m, £2m or £5m of 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?

1

For protection against compensation culture

The rise of 'no win, no fee' legal services has caused an increase in public liability claims and although PLI 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.public, suppliers or contractors.

2

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!

3

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.

We've made insuring your business simple. Get started.

Public liability claims

Public liability claims are different for every type of business, but here are a few examples of claims where the business could be liable

Slippery floors

A customer in your cafe slips on a wet floor and injures themself, even though you put a wet floor sign down. You could face legal and compensation costs.

Unfinished construction

You're laying out a new front path and one of the slabs is slightly uneven so your client trips on it. You can't control acts of clumsiness but you could face legal action.

Damaged laptop

One of your employees gestures during a pitch, spilling hot coffee over the client's arm and laptop. You may have to replace the laptop and pay their medical bills.

Ruined carpet

You’re cleaning a client’s house and you accidentally use the wrong chemicals. It damages their carpet and they want you to cover the costs to replace the whole thing.

We offer PL to over 1,000 industries

From cake makers to caretakers, pet walkers to plumbers, we insure a wide range of businesses to protect them from the risks associated with public liability (PL).

While most could benefit from PL insurance, here are few industries where it's the most popular cover, including the percentage of customers who included it in their policy:

To check if we support your trade, simply click 'Start your quote'.

Public liability insurance FAQs

Public liability insurance is an important cover for most businesses. We've tried to answer the most common questions surrounding PL below, but if you have any more please don't hesitate to contact our customer success team via the web chat in the below right-hand corner, email or phone on 0333 772 0759.

How much public liability insurance do I need?

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.

We offer from £1 million up to £5 million of public liability cover.

Is public liability insurance required by law?

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.

Do I need public liability insurance?

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.

To find out more, check out our 'Do I need public liability insurance?' guide.

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 third parties and members of the public. Basically, anyone who isn't an employee. 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.

What’s the difference between public liability and employers’ liability insurance?

These two covers are similar in what they cover, but with a few key difference. 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) as a result of your business.

Employers' liability insurance covers injury claims made against you by an employee as a result of your business.

Another key difference is that employers' liability is a legal requirement in the UK for any business that hires people, while public liability is not a legal requirement but protect businesses from large legal and compensation costs if a claim was made against them.

Is public liability insurance tax deductible?

Yes. Public liability insurance is considered a business cost which counts as an 'allowable expense'. This means that you can deduct it when calculating your taxable profit and therefore tax deductible in the UK.

When calculating your taxable profit, you should keep a record of your business income and expenses, not only so that you can calculate it accurately but also as evidence in case HMRC wants to check on your business. For business insurance, this means your invoices and policy documents.

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.

When should I get public liability cover?

While there is no set time that you might buy pL cover, if you work with customers, clients or professional bodies, some may insist that you have public liability cover before you can work together. This may mean you might think about buying public liability cover when you are setting up your business.

What are the benefits of buying public liability insurance by monthly subscription?

As a business, you'll likely be monitoring your incomings and outgoings, which is all the more reason to make sure you're protected against the unexpected costs that can arise from a claim made against you.

Monthly business insurance helps you spread the cost of your cover over the year, as opposed to paying a large lump sump annually. This can be especially helpful if your turnover is quite unpredictable.

Paying monthly is also flexible, allowing you to easily adjust your cover and therefore only pay for what you need.

To find out more, check out our blog post on the benefits of monthly business insurance.

Learn more about public liability

Our insurance 101 guides answer more of your public liability questions.

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.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Management cover

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Boost your cover from £10.08 per month

Legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

We insure thousands of innovative businesses

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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.