Get standalone public liability or combine it with our other covers and optional extras Whether you’re a tradesman, small business owner, or you’re self-employed – we’ve got the cover you need
What is public liability insurance?
Public liability insurance is a type of business insurance. It protects you if someone makes a claim against you because they were accidentally injured, or their property was damaged.
Public liability insurance will cover the cost of any legal fees, the cost of compensation claims and the cost of repairing or replacing damaged property.
It’s not a legal requirement, but it can protect your business from unforeseen costs. Customers may also ask that you have it in place as part of a business agreement.
Most public liability policies cover you whether the injury or damage happened at your premises or off-site.
Legally, you aren’t required to have public liability insurance. However, it’s highly recommended that businesses have the right protection. Our cover starts at £1 million as standard and can be increased up to £5 million cover.
Our customers pay from £64** a year or £5.27*** a month for public liability insurance. We know that everyone’s situation is different which is why you can decide how to pay for your policy – either annually or by monthly instalments. It’s important to note that working out the cost of public liability cover for each policy depends on several factors.
Your occupation can affect the cost of your insurance, because
trades that use lots of equipment in their day-to-day operations or use
dangerous machinery are consider higher risk.
Where you complete your work can affect your premium because
business that are in areas with heavy footfall, or who interact more
consistently with members of the pubic, are at higher risk of accidents
occurring.
How many staff you have will affect your premium as more
employees opens to up to more possibilities of claims resulting in
negligence or accidental injury.
Yes, all businesses can benefit from having public liability insurance, and this includes the self-employed. This is because whether you’re working for yourself or someone else, you’re likely to be in contact with third parties.
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