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Public liability insurance provides cover for compensation claims costs and expenses, for injury, or loss or damage to property, made by members of the public.
Such claims will relate to incidents that occur in connection with your business activities; i.e. as a result of the actions of you or your employees.
Whilst public liability is not required by law, most businesses will come into contact with clients or members of the public in the course of their business.
Without adequate insurance protection you could be putting both your business, and potentially your home or other personal assets, at risk in the event of a claim.
In many cases your business is likely to be asked to provide proof of liability cover prior to commencement of any works up to a required limit of indemnity.
Comparing quotes couldn’t be easier! Simply enter a few brief details about your business and our secure online system will compare liability quotations and cover from up to 10 of the UK’s leading commercial insurers.
You can purchase your policy online and instantly receive policy documents in a matter of minutes – simple, easy and affordable!
Specialist cover for all types of businesses including tutors, hair & beauty, professionals, cleaners and contracting trades
Tradespeople, mobile or homeworkers
Sole traders, partnerships, Limited Companies
Include cover for sub-contractors
Include cover for employees or temporary workers and add Employers Liability cover
Include Products Liability as standard
Tools or equipment cover, materials and/or contractors all-risks options
Own or hired-in plant
Specialist or High risk trade experts
Optional Legal Expenses and Personal Accident cover
We compare prices and cover from leading liability insurers
Instant quotations - cover and policy documents in minutes
Flexible cover & monthly payments – just pay for the sections you need
Expert advice from liability insurance specialists
Personal – Digital servicing AND your own dedicated insurance professional
An electrical firm is installing a new flat screen television for a client and their employee accidently drills through a gas pipe.
Replacing the pipe, making good and redecorating costs total c£5,000, which is handled via their insurers.
The cost of public liability cover is predominately driven by the trade or profession, the type of work being undertaken and the amount of work being carried out during the policy period.
Typically insurers will either rate the policy on the total number of people working in the business (split between manual and clerical roles), or the turnover / fee income. Premiums for liability insurance start from as little as £50 (plus insurance premium tax) for sole trade occupations.
If you are contracting to a larger firm it is likely that they will request a limit of indemnity that you will need to purchase – often this matches their own level of cover.
In other circumstances you should look at the risk in terms of the type of contracts and work being undertaken.
For example, if you are fitting lighting at a hospital, clearly the risk is much higher than performing the same task at a private home.
Generally most experts recommend a limit no less than £2m for any manual occupation.
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