Compare Public Liability
Insurance Quotes

Protect Your Business with Public Liability Insurance

Up to £10m of cover

Up to £10m of cover

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Compare trusted insurers

Tailored cover for your business

Tailored cover for your business

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How Public Liability Insurance Benefits Your Business

Up to £10 Million Worth of Cover

Up to £10 Million Worth of Cover

Safeguard your business with up to £10 million in public liability insurance cover, ensuring comprehensive protection for all interactions with the public.

Protects Your Business Against Liability Claims

Protects Your Business Against Liability Claims

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.

Tailored Cover for Your Business

Tailored Cover for Your Business

Public Liability Insurance can be tailored to meet the specific needs of your business, whether you operate an SME or a large business.

Excess Protection

Excess Protection

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.

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Enhance Your Cover with Employers' Liability Insurance

Explore the option to include employers’ liability insurance alongside your public liability insurance, extending comprehensive protection for your business and employees.

Optional, Tailored Extras

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.

Specialised Solutions

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 from our Public Liability Insurers

Full Cover and Market-Leading Deals Available

Optional Extras, Including Tools Cover

What is Public Liability Insurance?

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.

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What Does Public Liability Insurance Cover?

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.

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Public Liability Insurance FAQs

The Public Liability Insurance policy will not cover:

  • Accidents that happen to the policyholder

  • Damage to your 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 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.

Why Compare Public Liability Insurance with Us?

Comparing Public Liability Insurance with us 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 businesses.

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.

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