Public liability insurance 

You might need this insurance if your business often comes face to face with members of the public – which includes your clients and contractors. Find out how you could be liable and what you can do to protect your business.

Would I benefit from public liability insurance?

  • Are you in a trade where you have to set foot on a client’s property to work?
  • Do have meetings at the offices of clients?
  • Do clients visit you at your workplace – even if you work from home?
  • Do you own a business in the hospitality, entertainment or healthcare industries?
  • Are you a supplier to a company or large organisation?

If you answer ‘yes’ to any of these questions, then you might consider taking out public liability insurance.

Frequently asked questions

  • What are the benefits of public liability insurance?

    Public liability insurance can protect your business from claims made against it by members of the public. People could make a compensation claim against you if they are injured or their property is damaged as a result of something that happens on your business premises or at an event you’ve organised.

    Anyone working for you could trigger a public liability claim against your business if they do something at work which injures – or even kills – a member of the public.

    Public liability insurance can protect you against claims made by clients and contractors as well as members of the public. It doesn’t protect you against claims made by employees – for this, you would need employers’ liability insurance.

    Public liability insurance can cover your business against not just compensation payments but also legal fees and medical expenses.

  • Can you give me an example?

    If there’s a spill on your shop-floor that isn’t marked with a warning sign and a client were to slip and break their wrist, they could make a claim against you. Or they could trip over a loose cable in your office and injure themselves. Or you might visit a client and accidentally knock your coffee over their smartphone.

  • Did you know?

    The full cost of an accident might be between £8 and £36 for every £1 you spend on your insurance claim*.

    *Source: Health & Safety Executive

What do I need to consider?

  • Working from home might lower the level of cover you need

  • Having only a few clients visiting you would also lower your cover

  • The minimum level of cover is £1 million

  • Working on government contracts might take your cover up to £5 million

What other business insurance cover might interest me?


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This article has been compiled using information available to us up to 01.07.15.