Find a policy that fits your personal business needs by getting a public liability insurance quote.

"A qualified Broker can provide you with the advice and assistance to ensure you are properly protected"

 

A business must have public liability insurance, especially if they host visitors or perform work on client sites. If your business is responsible for personal injuries or property damage to clients, suppliers, or the general public, the insurance can cover the legal fees and compensation claims.

You should have this cover if:

  • Communicate face-to-face with customers, clients, and members of the public
  • Provide services at your client's location, whether it be a construction site, their home, or office
  • Participate in fairs and events
  • Have visitors to your premises

What's included

 

Accidental damage

Legal expenses

Injury

Flexible cover options

 

Optional Covers

 

Trustee Liability

Professional Indemnity

Abuse & molestation cover

Legal Expense

Cyber Insurance

Private Medical Insurance

Key Person Insurance

Expert advice from Prima Insurance Brokers

With several years of experience and expertise across the not-for-profit, charity and education sectors. Clients can count on us as their in-house insurance advisers since we take the time to understand their organisation in depth creating a strong, trusting partnership.

We know the charity sector has a wide range of special risks, which can often be confusing. By drawing on our experience and knowledge, we can guide you through every challenge and complexity - from legal requirements to operational set up.

FAQ

Is public liability required by law?

Public liability insurance isn't required. There is only one compulsory cover in the UK, and it is employers' liability insurance.

Although it isn't required by law, you should consider including public liability as part of your business insurance policy anyway since it will protect you in case someone makes a claim against you for injury or property damage caused by your business.

When do you need public liability insurance?

Public liability insurance is a must if you regularly deal with the public.

In the event that a member of the public sues you, public liability insurance provides protection for you. Despite not being required by law, it can protect you from crippling compensation costs. The policy is popular with tradespeople, hairdressers, restaurant owners, and shopkeepers.

How much is public liability insurance?

Public liability insurance does not have a standard, average price. There are various factors that influence the actual cost, such as the type of business you operate, your claims history, and the level of cover you require.

In most cases, the price of your public liability insurance (your premium) is based on several factors, including the type of business you operate and the level of coverage you select.

Insurance companies predict the likelihood of making a claim and the cost of that claim. Typically, this means that companies that are more likely to face steep compensation claims will pay a higher rate for their public liability insurance.