What is Public Liability insurance?

If your business involves almost any connection with the public – and most businesses do – you might one day find yourself liable for injury or damage caused as a result of your business activities.  The following legal proceedings might run into the thousands or hundreds of thousands of pounds. Without public liability insurance, you may be forced to bear substantial costs in compensation.

Why do I need public liability insurance?

Holding an insurance policy for public liability is usually not a legal requirement.  However, you should seriously consider it if your business:

  • Performs any work in public places
  • Receives visits to its premises from members of the public, clients or customers.  Public liability insurance for self-employed people covers you when people are at your own home or evens at a trade fair or market.
  • Visits or works in other premises.  Public Liability covers you if an accident at the customers home or premises leads to your business being liable for damages. 

You need public liability insurance because without it a simple accident like a trip in any of those locations could result in legal expenses and compensation costs.

Do you need public liability and employer's liability insurance?

Tradesman public liability insurance covers your business against any claims for injury or damages made by members of the public as a result of your business activities.

Employer's liability insurance, on the other hand, aims to cover your legal liability to your workers, helping you to pay damages in the event that an employee suffers an injury as a result of their work.

While most businesses are required by law to have employer's liability insurance, public liability insurance is generally optional.  But that doesn't mean it isn't essential.

What does public liability insurance cover?

Public liability covers your legal liability in respect of damage or injuries to members of the public arising out of your business activities.  It also covers the usual associated costs, such as:

  • the legal fees of defending the case
  • hospital costs claimed by the NHS
  • the costs of repairing any related damage
  • compensation costs claimed by the injured party. 

How much public liability insurance do I need?

Every business is different and we will discuss with you your exact needs. There are a number of factors that influence your public liability insurance premiums, including:

  • the size of your business, including the number of employees
  • the level of cover that you need
  • the level of your involvement with the public
  • the level of risk associated with your business's line of work. 

How is it calculated?

There are a number of factors that influence your public liability insurance premiums, including:

  • the size of your business, including the number of employees
  • the level of cover that you need
  • the level of your involvement with the public
  • the level of risk associated with your business's line of work.

If your business involves almost any connection with the public – and most businesses do – you might one day find yourself liable for injury or damage caused as a result of your business activities.  The ensuing legal proceedings might run into the thousands or hundreds of thousands – and without public liability insurance, you may be forced to bear substantial costs in compensation.

Get a quote  to find out your insurance premium and the right insurance policy for you.

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