Keep up to date with market trends and the latest finance news.
Our trusted partner Bionic, has experts who handle the comparison for you and guide you through your quotes.
Compare Business EnergyIn a constantly changing market, locking in a Business Energy deal could be beneficial.
Our trusted partner Bionic, has experts who handle the quote for you and you through your options.
Compare Business InsuranceSecure your business with the right insurance. From contents to cyber, we've got you covered.
We compare our best Business Broadband deals to find the ideal solution for your business.
Get ConnectedFind everything you need to decide which Business Broadband plan is right for you.
Set yourself up to take (and make) payments easily.
Find our most popular recent guides here.
This article will give you all the guidance needed to help you make an informed decision and switch business broadband providers smoothly and quickly.
Read all guides and advice >Keep up to date with market trends and the latest finance news.
Our trusted partner Bionic, has experts who handle the comparison for you and guide you through your quotes.
Compare Business EnergyIn a constantly changing market, locking in a Business Energy deal could be beneficial.
Our trusted partner Bionic, has experts who handle the quote for you and you through your options.
Compare Business InsuranceSecure your business with the right insurance. From contents to cyber, we've got you covered.
We compare our best Business Broadband deals to find the ideal solution for your business.
Get ConnectedFind everything you need to decide which Business Broadband plan is right for you.
Set yourself up to take (and make) payments easily.
Find our most popular recent guides here.
This article will give you all the guidance needed to help you make an informed decision and switch business broadband providers smoothly and quickly.
Read all guides and advice >
Protect Your Business with Public Liability Insurance
Up to £10m of cover
Compare trusted insurers
Tailored cover for your business
How Public Liability Insurance Benefits Your Business
Safeguard your business with up to £10 million in public liability insurance cover, ensuring comprehensive protection for all interactions with the public.
Robust public liability insurance shields your business against legal fees, expenses and compensation claims. Secure cover against injury or property damage, providing peace of mind for your business operations.
Public Liability Insurance can be tailored to meet the specific needs of your business, whether you operate an SME or a large business.
Don't let excess costs stop your claim. Our partners can provide affordable excess cover, wherein they'll reimburse your policy excess in case of a claim, ensuring minimal financial strain on your business.
Explore the option to include employers’ liability insurance alongside your public liability insurance, extending comprehensive protection for your business and employees.
Discover valuable add-ons tailored to your specific needs. From tools and contract work to plant and personal accident cover, optional extras can provide additional protection.
Even if your business doesn't tick all the usual boxes, we’re committed to finding you the correct Public Liability Insurance policy.
Up to £10 million of cover from our public liability insurers
Full cover and market-leading deals available
Optional extras, including tool cover
Up to £10 million from our Public Liability Insurers
Full Cover and Market-Leading Deals Available
Optional Extras, Including Tools Cover
Public Liability Insurance is essential protection for business owners and professionals engaging with customers and the public. This insurance cover shields you and your business against claims for personal injury or property damage that a third party may allege as a result of your business activities.
Public liability insurance covers your business in two areas: bodily injury and property damage made to a third party. Public Liability Insurance protects you against the following costs:
Compensation – The cost incurred due to a member of the public being injured or their property being damaged due to your business’s actions.
Legal expenses -The cost of any legal proceedings if a claim is made against your business. It's important to note that this is an optional extra with most policies.
Repair costs – The cost of repairing damage to a customer’s or member of the public's property.
Medical fees -The cost of any medical treatments if the NHS submits a claim against your business.
Your Public Liability Insurance policy can cover compensation claims made against your business and the associated legal costs to both you and the claimant if your business is deemed responsible for the claim.
Compensation payments are calculated by weighing multiple factors, such as the claimant’s loss of earnings, associated injuries, and ongoing medical costs.
These expenses can add up to a significant sum your business may not have the cash flow to handle. If your Public Liability Insurance covers you, the issue can be resolved professionally and efficiently, reducing the impact on you and your business.
Business owners who employ one or more staff members are legally required to have Employers' Liability Insurance in place. This protects against the cost of compensation claims from employee illness or injury. This is different cover to Public Liability Insurance, which protects your business against claims from customers, clients or members of the public.
Comparing Public Liability Insurance with BusinessComparison offers many benefits, including:
Up to £10 million worth of cover
Option to add Employers’ Liability Insurance
Optional extras, including tools cover
Tailored solutions for specialist businesses
We compare trusted insurance providers offering Public Liability Insurance cover up to £10m, providing you with the best insurance policy for your business.
Once you've found a quote that works for you, review the policy and confirm you want to go ahead with it. Your Public Liability Insurance certificate will then be sent to you.
Compare and find Business Insurance policies online with our easy-to-use comparison service. Tell us a bit about your business and what you need, and we'll find the best Business Insurance for your requirements.
Having public liability cover in place is not a legal requirement for UK businesses, but it’s usually a contractual requirement if you ever work with or for other businesses, want to register with professional bodies, of if you run events or operate on public premises.
If you do not have this kind of insurance cover in place, a claim against your business could be very damaging financially.
A Public Liability Insurance policy will not cover:
Accidents that happen to the policyholder
Damage to your business property or possessions
Accidents that affect your employees and their possessions
Consider general Business Insurance and Employers' Liability Insurance to ensure you're covered against these potential issues.
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?
Do I carry out work at customers' properties?
Do I carry out work in public spaces?
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.
Whether your business will benefit from public liability cover will depend on the type of company you run and the activities you carry out.
If you have visitors or customers at your premises, work with other businesses, carry out work in public spaces or have any contact with the general public through the work you do, it’s advisable to have public liability cover in place for peace of mind. Public Liability Insurance protects you if someone decides to sue you for damages or an injury is sustained that is 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 if your work ever involves the public. Whether you're a hairdresser, plumber, retailer, photographer, manufacturer or event organiser, you should protect your business with this kind of cover.
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 in place.
The price you pay for your Public Liability Insurance will dependThe price you will pay for your Public Liability Insurance will depend on your unique business details. At BusinessComparison, we can help you find the most competitive Public Liability Insurance quotes from top providers so that you can get the best deal while securing the cover that you need.
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 be made, and the level of cover you require.
The main factors that affect the cost of your policy are:
Your profession or trade (higher ‘risk’ business activities will equal a higher cost)
Your claims history (if you’ve had any public liability claims in the past)
Your annual turnover
The location of your business (with urban areas often being considered a higher risk, meaning higher premiums)
Your premises’s public footfall
Whether you operate in public or private
Any additional features or areas of cover you want to add to the policy
While Public Liability Insurance is advisable, Employers' Liability Insurance is a legal requirement 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 covers your business for 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.
If you have a business premises that is visited by customers, the public or other businesses, or ever operate at events, in public spaces or in other workplaces, Public Liability Insurance is important cover to protect your company. This includes small enterprises. Even operating on a small scale brings 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.
