FAQs
Public Liability Insurance FAQ
Understand how public liability works and who needs it.
Public Liability Insurance protects businesses and self-employed individuals against claims made by third parties for injury or property damage that occurs as a result of their business activities.
It’s one of the most common forms of commercial insurance in the UK — and often a legal or contractual requirement.
You can introduce any business or individual who interacts with the public, such as:
- Tradespeople (plumbers, electricians, builders, decorators)
- Retailers and shops
- Cafes, salons, and barbers
- Events companies
- Contractors working on-site
- Landlords (especially with communal areas)
Even home-based businesses may need it if clients visit their premises.
Public Liability Insurance typically covers:
- Injury to third parties (e.g. a customer trips over cables)
- Damage to third-party property (e.g. spilling paint on a client’s carpet)
- Legal costs and compensation payouts
- Accidental damage during work activities
Limits of indemnity usually range from £1 million to £10 million, depending on the business type and contractual requirements.
- Injury to employees (covered under Employers’ Liability)
- Damage to your own property or tools
- Deliberate acts or negligence
- Professional advice or services (Professional Indemnity covers this)
Costs vary based on:
- Business type
- Size and turnover
- Claims history
- Level of cover
Example: A sole trader handyman might pay £60–£100 annually, while a large events company could pay several hundred.
Reach out to us
If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.
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