Public Liability
Insurance

What is Public Liability Insurance?

Public Liability Insurance protects your business against claims from third parties for injury or property damage. Whether you run a shop, trade business, office, or work on-site, this insurance ensures you won’t face financial hardship if someone makes a claim against you.

For small businesses, contractors, sole traders, and large companies, Public Liability Insurance is essential to operate with confidence and comply with client and legal requirements.

Who Needs Public Liability Insurance?

Any business that interacts with customers, suppliers, or the public should have Public Liability Insurance in place. This includes:

• Retailers & Shop Owners – Cover against customer injuries, slips, or property damage claims.
• Tradespeople & Contractors – Protects against accidental damage or injury caused while working on-site.
• Hospitality Businesses – Essential for restaurants, cafés, and pubs where public safety is a key concern.
• Event Organisers – Covers claims arising from public events, exhibitions, or fairs.
• Offices & Service Providers – Protection if a client or visitor is injured on your premises.

Why is Public Liability Insurance Important?

Even a minor accident can lead to costly claims. Without insurance, legal fees and compensation costs could significantly impact your business.

Common risks that Public Liability Insurance protects against include:

• Slips, Trips & Falls – Covers claims if a customer or visitor gets injured on your premises.
• Damage to Third-Party Property – Protection if your business accidentally damages someone else’s property.
• Injury Caused by Your Business Activities – Covers medical costs and compensation if your work leads to injury.
• Legal Costs – Covers defence and settlement fees if a claim is made against you.

What’s Covered in Public Liability Insurance?

Public Liability Insurance policies typically include:

• Compensation Costs – Covers claims for injuries or property damage.
• Legal Defence Fees – Protection against legal costs associated with claims.
• Medical Expenses – Covers treatment costs for injured third parties.
• Product Liability – Covers injury or damage caused by products you sell or supply.

What’s Not Covered?

• Employee injuries – Covered under Employers’ Liability Insurance.
• Damage to your own business property.
• Deliberate acts or intentional harm.

Additional Cover You May Need

Depending on your business type, you may need additional cover such as:

• Business Building Insurance – Protect your premises and business assets.
• Employers’ Liability Insurance – Cover for employee injuries or illness.
• Professional Indemnity Insurance – Protection against claims for professional advice or services.
• Business Interruption Insurance – Income protection if your business operations are disrupted.

At Insurably, we have access to 100's of insurer markets, meaning that no matter how unique your requirements are, we know where to find the right cover to suit you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.