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Public Liability Insurance

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

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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.

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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

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.

Why choose insync for Public Liability insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Beauty Professionals throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

Public Liability Insurance

As 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 and 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 choose Insync for Public Liability Insurance

  • 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

Public Liability Insurance

You only pay for the specific areas of cover required leaving more of your funds for good causes.As 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. You only pay for the specific areas of cover required leaving more of your funds for good causes.

  • 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 and 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 choose Insync for Public Liability Insurance

  • 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

Brilliant Agent

The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you piece of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync we are totally focused on providing not just the correct cover at a superb price but as importantly, a fantastic customer experience.

As part of this experience and as a thank you for taking out your policy with Insync, we will give you access to our exclusive benefits platform, Insync Benefits.

This is completely FREE to you, giving you unbelievable discounts and offers from some of the biggest high street brands.

Frequently
Asked Public Liability Insurance
Questions

We have prepared a list of the questions we are regularly asked by Customers before and after buying a policy.

If you need further help we are always available.

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.

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.

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.

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.