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Compare public liability insurance

Any visitor to your business premises, whether they are an electrician, a courier, a customer or a member of the general public, can claim 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.

What does public liability typically cover?

Claims by members of the public

Compensation for the claimant's injury or death

Cost of loss or damage to the claimant's property

Legal expenses associated with a claim

Why choose us?

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  • Monthly payment options available
  • Excellent customer service rating
    Rated 4.7/5 based on 293 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.

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.

Is public liability insurance a legal requirement?

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.

How much public liability 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.

How much is public liability insurance?

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.

What businesses take out public liability insurance?

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:

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"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)