Public Liability

What is Public Liability Insurance?

Public Liability Insurance protects businesses from claims made by members of the public who suffer injury, illness, or property damage as a result of your business activities. Whether your business operates in a public space or invites customers, clients, or contractors onto your premises, public liability insurance is vital to cover the costs of compensation and legal fees.

Examples of Claims:

A customer trips over an uneven floor in your shop and sustains an injury.

A member of the public is injured by equipment used on a construction site.

A client’s property is damaged while you’re providing services in their home or office.

What It Covers:

Compensation claims for third-party injury or illness.

Legal fees and defence costs in case of a lawsuit.

Repair or replacement costs for damaged third-party property.

Key Features:

Indemnity Limits: Policies typically offer cover starting from £1 million to £10 million, depending on your business needs and industry.

Contractual Requirement: Many contracts, particularly in construction or with local authorities, require businesses to have public liability insurance in place.

Speak to our Public Liability

Expert Advisor

We understand the importance of having easy and accessible ways to get in touch with us. That’s why we’re excited to offer you a way to connect directly with our Senior Team quickly and conveniently.

Nicola Wyatt

Senior Insurance Practitioner