Public Liability Insurance

Protecting You When Accidents Happen

Public Liability Insurance is one of the most important types of business insurance — whether you’re a sole trader, small business, landlord, event organiser, or contractor. If a member of the public is injured or their property is damaged due to your work or business activities, you could be legally liable. The right policy protects you from the financial fallout.

At Qudos Insurance, we help individuals and organisations of all sizes get public liability cover that’s tailored, compliant, and cost-effective — no matter what industry you’re in.

What Is Public Liability Insurance?

Public Liability Insurance covers legal fees and compensation costs if someone is injured or suffers property damage due to your business activities. It applies whether the incident occurs at your workplace, a client site, a public area, or even a private home.

It’s not legally required, but it’s often essential for contracts, local authority work, and commercial credibility.

What Does It Cover?

A typical policy includes:

  • Injury to third parties – e.g. a customer trips on loose flooring at your premises
  • Damage to third-party property – e.g. you spill paint on a client’s carpet
  • Legal defence costs – if a claim is made against you
  • Compensation payouts – agreed settlements or court-awarded damages
  • Products Liability (Optional) – if your goods cause injury or damage
  • Worldwide Cover (Optional) – if you travel or work internationally

Who Needs It?

  • Tradespeople and contractors
  • Shops, salons, cafés, and offices
  • Event organisers and exhibitors
  • Landlords and property owners
  • Self-employed professionals
  • Volunteers and charity organisations
  • Any business that interacts with the public

How Much Cover Do I Need?

We help clients choose between £1 million, £2 million, £5 million, and £10 million levels of cover — depending on contract requirements, public exposure, and business risk.

Public Liability Insurance is often required by:

  • Local councils
  • Property managers
  • Commercial clients
  • Venue owners

Why It Matters

You don’t need to be at fault to be sued
Legal defence alone can cost thousands
A simple accident could cost your business its reputation — or worse

We make sure you’re protected before it’s too late.

Why Choose Us?

At Qudos Insurance, we don’t believe in one-size-fits-all. We provide:

  • Tailored cover for your trade or profession
  • Fast quotes and instant documentation
  • Policy upgrades for specific contracts or tenders
  • Optional add-ons for tools, employers’ liability, or business premises

Get a Fast Public Liability Quote Today

Whether you’re quoting for your first job or need to meet a client’s insurance clause — we’ve got you covered.

Speak to us now for a same-day quote and instant cover.