Public Liability

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Introduction to public liability cover

Any visitor to your business premises, whether they are an electrician, a courier, a customer or a member of the general public, can claim against you if they are injured or their property is damaged as a result of your business activities.

It is, therefore, the responsibility of the business owner to make sure that any claim for compensation from a third party is met. Public liability insurance enables you to do this (up to certain limits).

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find public liability cover that’s right for you, making arranging your public liability insurance simple and hassle-free. We’re committed to finding the right risk management solutions for your business to let you work without worry and focus on what matters – your business.

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Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote

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Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009

Speak to a public liability insurance expert

We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business. To find out more about public liability insurance, call Premierline today or arrange a call back to speak to an insurance advisor.

Start a Quote

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote

Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009

Public liability insurance cover detail

What is public liability insurance?

Public liability insurance is there to protect your business from claims from an injured third party or someone whose property has been damaged as a result of your business activities.

Public liability cover is designed to pay out compensation for claims made which could include loss of earnings, future loss of earnings, damages awarded to a claimant plus any legal expenses that you could incur if you are found to be at fault.

Public liability cover typically protects against

Claims by members of the public

Compensation for the claimant's injury or death

Cost of loss or damage to the claimant's property

Legal expenses associated with a claim

Public liability insurance FAQs

Is public liability insurance a legal requirement?

In short no, but whilst you’re not required by law to take out public liability insurance in the UK, it is highly recommended to protect your business against claims made against you by third parties. Working in the public domain exposes you to certain risks, from damage to third party property to injuries sustained by them. Public liability insurance can protect you and your business financially should something unexpected happen.

How much public liability cover will I need?

When deciding how much public liability insurance you need, think about whether your business is in a ‘high risk’ industry. These include, amongst others, working as a tradesman at power stations or as a contractor on motorways or railways. You also need to consider your customer’s minimum requirements. Local authorities, such as borough and city councils, may stipulate a minimum cover requirement of £5m

How much is public liability insurance?

The cost of public liability insurance varies depending on several factors, i.e. your trade, business activities, place of work or number of visitors to your premises. It is also affected by the limit of cover you require, normally referred to as the limit of indemnity. Public liability insurance limits are usually fixed at £1m, £2m or £5m, alternative limits are available, and the premium will typically increase as the limit is increased.

What businesses take out public liability insurance?

Public liability insurance is highly recommended for any business type. Below is a list of some trades that typically include public liability cover as part of a packaged business insurance product:

Retailers
Contractors
Food, Hospitality & Leisure
Offices
Care & Medical
Hair & Beauty
Motor Trades
Commercial & Industry
Landlord & Property
Freelancers

Why choose Premi

Why choose Premierline for public liability cover?

We're business insurance experts

We understand the nature of running your own business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging your insurance simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

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Customer reviews and testimonials

“Outstanding service. They are very helpful with all enquiries and come straight back with answers. Easy to use portal for all documentation as well, which is a great help.”

Shop Fitter

Customer since August 2024