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Any visitor to your business premises, whether they are an electrician, a courier, a customer or a member of the general public, can make a claim against you if they are injured or their property is damaged as a result of your business activities.

It is therefore the responsibility of the business owner to make sure that any claim for compensation from a third party is met. Public liability insurance enables you to do this (up to certain limits).

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your public liability insurance simple and hassle free. We’re committed to finding the right risk management solutions for your business to let you work without worry and focus on what really matters – your business.

Why choose us?

  • Compare insurance quotes
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  • Expert advice in just one call
  • Monthly payment options available
  • Excellent customer service rating
    Rated 4.6/5 based on 460 Feefo reviews

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What is public liability insurance?

Public liability insurance is there to protect your business from claims from an injured third party or someone whose property has been damaged as a result of your business activities.

The insurance is designed to pay out compensation for claims made which could include loss of earnings, future loss of earnings, damages awarded to a claimant plus any legal expenses that you could incur if you are found to be at fault.

Is public liability insurance compulsory?

Public liability insurance is not always compulsory but it’s good practice to have the right cover in place to protect yourself and your business against compensation claims should an accident happen.

How much cover will I need?

When deciding how much public liability insurance you need, think about whether your business is in a ‘high risk’ industry. These include, amongst others, working as a tradesman at power stations or as a contractor on motorways or railways. You also need to consider your customer’s minimum requirements. Local authorities, such as borough and city councils, may stipulate a minimum cover requirement of £5m.

"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"It was really easy to buy my insurance from them and the online quotation process was quick and simple. They responded to my queries via the phone and web chat in a timely manner plus I got my certificate and other documents in the post really quickly"

Mrs Chung, Takeaway Food Retailer, Walsall (Customer since December 2018)