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Public Liability Insurance

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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 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 public liability 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 matters – your business.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm

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.

Public liability cover 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.

In short no, but whilst you’re not required by law to take out public liability insurance in the UK, it is highly recommended to protect your business against claims made against you by third parties. Working in the public domain exposes you to certain risks, from damage to third party property to injuries sustained by them. Public liability insurance can protect you and your business financially should something unexpected happen.
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
The cost of public liability insurance varies depending on several factors, i.e. your trade, business activities, place of work or number of visitors to your premises. It is also affected by the limit of cover you require, normally referred to as the limit of indemnity. Public liability insurance limits are usually fixed at £1m, £2m or £5m, alternative limits are available, and the premium will typically increase as the limit is increased.

Public liability insurance is highly recommended for any business type. Below is a list of some trades that typically include public liability cover as part of a packaged business insurance product:

  • Retailers
  • Contractors
  • Food, Hospitality & Leisure
  • Offices
  • Care & Medical
  • Hair & Beauty
  • Motor Trades
  • Commercial & Industry
  • Landlord & Property
  • Freelancers
"Our block of flats insurance policy from another broker had increased too much and they couldn’t get a better price. I found Premierline through an internet search and Dan was there to help straight away. After a few days he had sourced a considerably more competitive and acceptable product with much better terms. I really felt Premierline wanted our business."
Block of Flats Property Owner
Customer since January 2024
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
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For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business. To find out more about public liability insurance, call Premierline today or arrange a call back to speak to an insurance advisor.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm