Compare Public Liability
Insurance Quotes

Business owners who work offsite or have members of the public visiting their premises should strongly consider investing in Public Liability Insurance cover.

Ask yourself the following questions:

• Are customers visiting my premises at risk?

• Do I carry out work at customers' properties?

• Could I afford to pay compensation?

• Do I employ staff I need to protect?

If you answer ‘yes’ to these questions, you can compare Public Liability Insurance cover online and obtain a free, no-obligation quote.

Legally, no. You do not need Public Liability Insurance.

However, it is advisable to have a policy in place for peace of mind. Public Liability Insurance protects you if someone decides to sue you for damages or an injury is sustained because of your business's fault.

Public Liability cover is readily available for all business types, including sole traders, self-employed individuals and directors of limited companies. All trades and professions should consider investing in it. Whether you're a hairdresser, plumber, retailer, photographer, manufacturer or event organiser, you should protect your business.

Many professions consider Business Insurance essential, as working without it can prove challenging. Clients that you decide to work with may stipulate that you have a minimum-level Public Liability Insurance policy.

The price you pay for your Public Liability Insurance will depend on your business details. At BusinessComparison, we can help you find the most competitive Public Liability Insurance quote.

Regardless of your business size, we can help you find the best Public Liability Insurance. Up to £10 million worth of cover can be arranged for every type of business. Whether you own a small café or a large, high-risk business, our team can help you compare options and secure the best deal.

The level of cover you require will depend on the risks your business faces each day. Generally, minimum standards are applied to each industry, or your clients may specify them. For example, if you are working on a public sector contract, the minimum level of cover will usually fall between £1 million and £10 million.

The cost of Public Liability Insurance will depend on several factors, including the size and nature of your business, the excess you're willing to pay should a claim surface, and the level of cover you require.

The main factors that affect the cost of your policy are:

• Your profession or trade

• Your annual turnover

• Your premises’s public footfall

• Whether you operate in public or private

While Public Liability Insurance is advisable, Employers' Liability Insurance is mandatory for all businesses with employees.

It covers claims filed by employees for injuries or illnesses incurred during work. In contrast, Public Liability Insurance protects against claims from third parties, like customers or the public, for injury or property damage due to your business activities.

Public Liability Insurance addresses claims from third parties for injury or property damage due to your business, such as customers or the public. On the other hand, Employers' Liability Insurance handles employee claims for work-related injuries or illnesses.

The crucial distinction lies in Public Liability, which deals with external claims and Employers' Liability, which deals with employee claims. Both types of insurance are essential for safeguarding your business against liabilities and covering distinct risks.

Public Liability Insurance is vital for businesses of all sizes, including small enterprises. Even operating on a small scale entails risks of accidents or incidents leading to claims from third parties like customers or visitors.

This insurance provides financial protection if someone sustains injuries or property damage due to your business activities. With it, your business could avoid significant financial liabilities, including legal expenses and compensation payouts.