Public Liability Insurance

What is Public Liability insurance?


This protects your business against accidents causing claims for property damage or injury to clients, third parties who are not your employees and the general public.

What types of business need Public Liability Insurance?

Any business providing a trade or service outside of their premises or that has a premises that clients and/or the general public might visit.


Is Public Liability insurance compulsory?

Not generally but there are exceptions, and membership of certain professional trade bodies requires that it is in place and certain clients will require that you have it in place before they will work with you.

In some cases, such as for food businesses, public liability insurance (and products liability) is a mandatory requirement.

How much cover do I need?

That depends on a numbers of factors including the sort of work you are doing, the type of , the size and expectations of your clients and how much you can afford.

Where can I get a public liability quote?