Public Liability Insurance for Businesses

Compare Public Liability Insurance for your business. Tailored Insurance packages and cover from as little as £50.00 per year.

What Is Public Liability Insurance?

Public Liability Insurance for businesses provides cover for legal costs of compensation claims for third-party injury, illness, accidental death, property damage or loss made by members of the general public, or other third parties.

Sometimes, no amount of risk-management can prevent accidents - that's what makes them accident, but it’s also this that makes Public Liability insurance such an essential element of business insurance cover.

Public Liability insurance will cover you in a range of scenarios. For example, a member of the public slips on a wet floor at your business premises and cracks their back or coccyx. The individual is self-employed and sues your business and makes a compensation claim for their loss of earnings and medical fees.

Some claims can be as a more direct result of your actions, such as drilling through a pipe or dropping a hammer and cracking a glass table or expensive flooring. Essentially, all types of Public Liability claim 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.

Public Liability Insurance – Do I Need It?

While Public Liability Insurance is not a legal requirement; most businesses will come into contact with clients, or members of the public, in the course of their daily business. Whether people visit your business premises, or you visit client sites, Public Liability cover comes highly recommended as claims can occur at any time.

Unfortunately, while a business owner can carry out rigorous health and safety measures, you still cannot predict all accidents. Any job which is undertaken, appointment or walk-in customer you have poses a financial risk to your business without Public Liability cover.

On any site visit or job, several things could go wrong from a slip, trip or fall to accidental damage to personal property - the cost of which might be far beyond anything you would have anticipated paying out. This is particularly the case for a small business that typically will not have the funds to address damage claims without taking a large financial hit.

In many cases, client contracts will also require you to provide proof of public liability insurance cover to a specific indemnity limit before the commencement of a particular job. At Insync, our specialist team will be able to find the right level of cover to suit your business needs.

Compare Public Liability Insurance with us

Comparing business insurance and public liability 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. Equally, our team of business insurance experts will be able to compare public liability insurance for you over the phone and provide expert help and advice.

You can purchase your business insurance policy online and instantly receive policy documents in a matter of minutes – simple, easy and affordable! Whether you're a sole trader, partnership, small business, limited company, or anything else, a Public Liability Insurance policy can provide peace of mind to businesses.

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PUBLIC LIABILITY INSURANCE

At business insurance experts, our Public Liability cover can be tailed to your specific requirements and business activities, and we compare public liability from 5 leading insures. 

  • Cover for tradesman/tradeswoman, manufacturers, mobile or homeworkers.

  • Cover for small and medium-sized businesses

  • Cover for legal fees and compensation costs

  • Sole traders, partnerships, Limited Companies

  • Includes cover for sub-contractors

  • Legal fees and compensation payouts

  • Cover for employees or temporary workers

  • Optional Employers Liability Cover

  • Product Liability as standard

  • Specialist or High-risk trade experts

  • Optional Legal Expenses and Personal Accident cover

Why Insync for Public Liability

  • 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

  • Legal expense cover

  • Personal – Digital servicing AND your own dedicated insurance professional

FAQs for Business Public Liability Insurance

HOW MUCH DOES PUBLIC LIABILITY INSURANCE COST?

The cost of public liability cover depends on your profession, the type of work you do, and the frequency that this work done.

Premiums for liability insurance start from as little as £50 (plus insurance premium tax) for sole traders or sole Directors. However, the cost of Public Liability can range based on your specific business activities and location. For example, if you are a specialist engineer working in a railway red zone, some insurers would class this as a higher risk activity and specialist cover may be required.

Similarly, if you run a catering truck or stall at events with high foot traffic, you have an increased risk of an accident than a home-based e-commerce business and therefore will pay a higher premium. The cost may also depend on the location of your business, your previous claims history, the key is explaining exactly how your business operates and our dedicated Advisor will help to find the most suitable option for you.

WHY COMPARE PUBLIC LIABILITY?

Sometimes, when purchasing Public Liability online, you might come across a price that seems too good to be true. Unfortunately, that is often the case, and cheap public liability policies can be just that. Luckily, that's where our specialist team steps in. We can make sure your business has the right level of tailored cover at the right price.

WHERE DOES PUBLIC LIABILITY INSURANCE COVER ME?

Each policy has the potential to be different; however, typically, your policy will cover you for all locations you are carrying out work. Most Public Liability Insurance policies are restricted to UK work as standard, but if you carry out any work outside the UK cover can usually be extended for you. Your liability insurance policy will usually also cover both your actions as the business owner and any employees while carrying out off-site business activities. Our business insurance team can organise Public Liability insurance for a range of locations, so you can have peace of mind that you are covered for accidents.

WHAT IS PROOF OF PUBLIC LIABILITY INSURANCE?

Whether it's a private or government contract, there may often be times where you need to provide proof of your Public Liability Insurance either before you start the work, or before you get paid. You may also need to provide evidence of Public Liability cover for construction works site access or when attending events where the venue owner requires you to have a specific indemnity limit beforehand.

Proof of Public Liability Insurance may come in the form of a copy of your policy or a schedule of insurance which will be available to you immediately after you have confirmed and arranged your policy.

WHAT LEVEL OF PUBLIC LIABILITY DO I NEED?

Our expert team can help you find the right level of cover to meet the specific requirements of your business, including Public Liability Insurance.

The specific limit of cover you will need will depend entirely on your business activities and should factor in your worst-case scenario. The more risk factors involved in your work, the higher level of cover you will need. It is common that, when contracting to a larger firm or taking on government contracts, you will be required to provide proof of having a specific level indemnity. If this is the case, just let our team know, and we can arrange this for you. In situations where you are working with a local authority, it is often expected that you will have a minimum cover of £5million public liability cover.

If there isn't a set contractual requirement, you should consider the risks your business faces each day. For example, you are a contractor, and you carry out work within a hospital or school, this will be a much higher risk than work carried out in a private home.

EMPLOYERS LIABILITY INSURANCE?

Employers Liability insurance is a legal requirement for all businesses with employees, or with two or more Directors and not having it can result in fines of up to £2,500 every day until you are adequately insured. Employers Liability cover (EL), provides cover for your legal liability against injury or illness to your employee.

If your employee suffers a bodily injury, property damage or even accidentally killed at work; your employer's liability insurance cover provides indemnity against any compensation and associated legal costs for which you may be liable. You have a legal obligation to take out EL cover for most staff, including casual workers, temporary staff, part-time staff and volunteers. However, there is an exemption for some immediate family members if the business is not trading as a limited company.

WHAT ABOUT PRODUCT LIABILITY COVER?

Product Liability insurance offers similar cover to Public Liability insurance, but the two are not interchangeable. Products Liability provides cover if a third-party suffers a personal injury, accidental death or damage to property due to a physical product that you have supplied to them. If you are a manufacturer, you have an increased number of liability risks in comparison to a retailer. However, if the manufacturer is untraceable, someone else in the supply chain can be found liable and have to pay legal costs and compensation fees. This can be a particular risk of the products you supply are imported from China or the Far East.

You can often purchase Products Liability alongside your regular Public Liability policy. Our Public Liability policies generally come with Product Liability cover as standard. Products Liability Insurance is advisable for any business that manufactures, designs or sells a physical product at any point of the supply chain.

DOES PUBLIC LIABILITY COVER INJURIES CAUSED BY DISREPAIR?

As a property owner, or leaseholder you have a duty of care to the public to maintain your property. Claims of accidental injury due to disrepair pose a serious financial risk to your business. Without Public Liability cover, your business will be liable for both the legal fees and compensation payments owed to the claimants.

Disrepair can range from small things like loose floorboards and carpets to significant hazards like a roof caving in. It is vital to make sure your property is kept up to code at all times to prevent unnecessary claims. Responding to public liability claims from third-party injury caused by disrepair are considered at the insurer's discretion, particularly if the policyholder knowingly failed to maintain the property.

WHAT OTHER COVERS SHOULD I BE CONSIDERING?

As a business owner, in addition to public liability insurance, you may also want to consider covers such as:

  • Tools Insurance and Plant cover
  • Business equipment, laptop and/or mobile phone insurance
  • Office insurance or business contents/stock at your premises
  • Business Interruption insurance
  • Commercial Property Buildings Insurance if you own commercial property
  • Professional Indemnity Insurance / Professional Liability Insurance if you provide advice or service for a fee
  • Special Event Insurance
  • Personal Accident Insurance

Our team will be happy to discuss what insurance you should include in your business policy over the phone.

DOES PUBLIC LIABILITY COVER EMPLOYEES?

While it will not cover claims made by employees, your Public Liability will cover both your actions and those of your employees whilst working in your business.

Sub-contractors can also be covered under your liability insurance on with a bonafide basis or a labour only sub-contractor basis.

HOW CAN I GET A PUBLIC LIABILITY INSURANCE QUOTE?

Insync Insurance is a specialist commercial insurance broker. You can request your public liability quote today through our website, and one of our specialist team will be in touch to talk through your requirements. Click the button below to request your quote.

PUBLIC LIABILITY CLAIMS EXAMPLE # 1

A caterer is serving a large conference attending my leading UK entrepreneurs. Unfortunately, there is a contamination issue, and several guests at the event suffer a particularly nasty strain of food poisoning with one person needing hospital treatment. Several of them make a legal claim against the caterer for their illness and for loss of earnings during their recovery time. The caterer's insurance responds and covers the legal costs of the claims along with the compensation payments for their potential breach of consumer protection and food safety legislation.

PUBLIC LIABILITY CLAIMS EXAMPLE #2

While an electrical firm is installing a new flat-screen television for a client, an employee accidentally drills through a gas pipe. The firm receives a claim for property damage and trace and access cover to locate and fully repair the leaking pipe. The overall cost of replacing the pipe and redecorating comes to around £25,000, which is covered by their insurers.

HOW MUCH DOES PUBLIC LIABILITY INSURANCE COST?

The cost of public liability cover depends on your profession, the type of work you do, and the frequency that this work done.

Premiums for liability insurance start from as little as £50 (plus insurance premium tax) for sole traders or sole Directors. However, the cost of Public Liability can range based on your specific business activities and location. For example, if you are a specialist engineer working in a railway red zone, some insurers would class this as a higher risk activity and specialist cover may be required.

Similarly, if you run a catering truck or stall at events with high foot traffic, you have an increased risk of an accident than a home-based e-commerce business and therefore will pay a higher premium. The cost may also depend on the location of your business, your previous claims history, the key is explaining exactly how your business operates and our dedicated Advisor will help to find the most suitable option for you.

CHEAP PUBLIC LIABILITY?

Sometimes, when purchasing Public Liability online, you might come across a price that seems too good to be true. Unfortunately, that is often the case, and cheap public liability policies can be just that. Luckily, that's where our specialist team steps in. We can make sure your business has the right level of tailored cover at the right price.

WHERE DOES PUBLIC LIABILITY INSURANCE COVER ME?

Each policy has the potential to be different; however, typically, your policy will cover you for all locations you are carrying out work. Most Public Liability Insurance policies are restricted to UK work as standard, but if you carry out any work outside the UK cover can usually be extended for you. Your liability insurance policy will usually also cover both your actions as the business owner and any employees while carrying out off-site business activities. Our business insurance team can organise Public Liability insurance for a range of locations, so you can have peace of mind that you are covered for accidents.

WHAT IS PROOF OF PUBLIC LIABILITY INSURANCE?

Whether it's a private or government contract, there may often be times where you need to provide proof of your Public Liability Insurance either before you start the work, or before you get paid. You may also need to provide evidence of Public Liability cover for construction works site access or when attending events where the venue owner requires you to have a specific indemnity limit beforehand.

Proof of Public Liability Insurance may come in the form of a copy of your policy or a schedule of insurance which will be available to you immediately after you have confirmed and arranged your policy.

WHAT LEVEL OF PUBLIC LIABILITY DO I NEED?

Our expert team can help you find the right level of cover to meet the specific requirements of your business, including Public Liability Insurance.

The specific limit of cover you will need will depend entirely on your business activities and should factor in your worst-case scenario. The more risk factors involved in your work, the higher level of cover you will need. It is common that, when contracting to a larger firm or taking on government contracts, you will be required to provide proof of having a specific level indemnity. If this is the case, just let our team know, and we can arrange this for you. In situations where you are working with a local authority, it is often expected that you will have a minimum cover of £5million public liability cover.

If there isn't a set contractual requirement, you should consider the risks your business faces each day. For example, you are a contractor, and you carry out work within a hospital or school, this will be a much higher risk than work carried out in a private home.

IS PUBLIC LIABILITY COVER TAX DEDUCTIBLE?

Most types of business insurance, including public liability, is what is considered an allowable expense; this makes it tax-deductible. Remember to keep your receipt and policy documents safe! Insync will send you these digitally when you sign up. For something to be considered an allowable expense by HMRC, it needs to be a business cost which is paid out of your business income including interest on business loans, some training courses, employee pensions and business insurance costs.

EMPLOYERS LIABILITY INSURANCE?

Employers Liability insurance is a legal requirement for all businesses with employees, or with two or more Directors and not having it can result in fines of up to £2,500 every day until you are adequately insured. Employers Liability cover (EL), provides cover for your legal liability against injury or illness to your employee.

If your employee suffers a bodily injury, property damage or even accidentally killed at work; your employer's liability insurance cover provides indemnity against any compensation and associated legal costs for which you may be liable. You have a legal obligation to take out EL cover for most staff, including casual workers, temporary staff, part-time staff and volunteers. However, there is an exemption for some immediate family members if the business is not trading as a limited company.

WHAT ABOUT PRODUCT LIABILITY COVER?

Product Liability insurance offers similar cover to Public Liability insurance, but the two are not interchangeable. Products Liability provides cover if a third-party suffers a personal injury, accidental death or damage to property due to a physical product that you have supplied to them. If you are a manufacturer, you have an increased number of liability risks in comparison to a retailer. However, if the manufacturer is untraceable, someone else in the supply chain can be found liable and have to pay legal costs and compensation fees. This can be a particular risk of the products you supply are imported from China or the Far East.

You can often purchase Products Liability alongside your regular Public Liability policy. Our Public Liability policies generally come with Product Liability cover as standard. Products Liability Insurance is advisable for any business that manufactures, designs or sells a physical product at any point of the supply chain.

DOES PUBLIC LIABILITY COVER INJURIES CAUSED BY DISREPAIR?

As a property owner, or leaseholder you have a duty of care to the public to maintain your property. Claims of accidental injury due to disrepair pose a serious financial risk to your business. Without Public Liability cover, your business will be liable for both the legal fees and compensation payments owed to the claimants.

Disrepair can range from small things like loose floorboards and carpets to significant hazards like a roof caving in. It is vital to make sure your property is kept up to code at all times to prevent unnecessary claims. Responding to public liability claims from third-party injury caused by disrepair are considered at the insurer's discretion, particularly if the policyholder knowingly failed to maintain the property.

WHAT OTHER COVERS SHOULD I BE CONSIDERING?

As a business owner, in addition to public liability insurance, you may also want to consider covers such as:

  • Tools Insurance and Plant cover
  • Business equipment, laptop and/or mobile phone insurance
  • Office insurance or business contents/stock at your premises
  • Business Interruption insurance
  • Commercial Property Buildings Insurance if you own commercial property
  • Professional Indemnity Insurance / Professional Liability Insurance if you provide advice or service for a fee
  • Special Event Insurance
  • Personal Accident Insurance

Our team will be happy to discuss what insurance you should include in your business policy over the phone.

DOES PUBLIC LIABILITY COVER EMPLOYEES?

While it will not cover claims made by employees, your Public Liability will cover both your actions and those of your employees whilst working in your business.

Sub-contractors can also be covered under your liability insurance on with a bonafide basis or a labour only sub-contractor basis.

HOW CAN I GET A PUBLIC LIABILITY INSURANCE QUOTE?

Insync Insurance is a specialist commercial insurance broker. You can request your public liability quote today through our website, and one of our specialist team will be in touch to talk through your requirements. Click the button below to request your quote.

PUBLIC LIABILITY CLAIMS EXAMPLE # 1

A caterer is serving a large conference attending my leading UK entrepreneurs. Unfortunately, there is a contamination issue, and several guests at the event suffer a particularly nasty strain of food poisoning with one person needing hospital treatment. Several of them make a legal claim against the caterer for their illness and for loss of earnings during their recovery time. The caterer's insurance responds and covers the legal costs of the claims along with the compensation payments for their potential breach of consumer protection and food safety legislation.

PUBLIC LIABILITY CLAIMS EXAMPLE #2

While an electrical firm is installing a new flat-screen television for a client, an employee accidentally drills through a gas pipe. The firm receives a claim for property damage and trace and access cover to locate and fully repair the leaking pipe. The overall cost of replacing the pipe and redecorating comes to around £25,000, which is covered by their insurers.

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9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2020 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is Midland House, 2 Poole Road, Bournemouth, Dorset BH2 5QY and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business