Compare Public Liability Insurance

What Is Public Liability Insurance?

Public liability insurance can cover compensation and legal costs if a third party claims that your business caused injury or damaged their property.

Types of Public Liability Insurance Cover

• Tradespeople — Builders, plumbers, electricians and trades working at customer sites.
• Retail and hospitality — Shops, cafes, salons and venues with customer visits.
• Office businesses — Businesses that meet clients or visitors.
• Event and market traders — Venues or organisers may ask for public liability cover.

What Can Affect Public Liability Insurance Prices?

Providers can consider different details when calculating quotes. The most relevant factors often include:

• Business activity — Higher-risk work can cost more to insure.
• Turnover — Annual turnover can affect assessed risk.
• Public interaction — More customer contact can increase exposure.
• Work location — Working at height or on client sites can matter.
• Cover limit — Contracts may specify a required amount.

Tips for Comparing Public Liability Insurance

• Check whether clients or venues require a minimum cover limit.
• Make sure the business description reflects your work.
• Consider employers liability if you employ staff.
• Keep risk assessments, invoices and job records where relevant.

Public Liability Insurance FAQs

Is public liability insurance legally required?

It is not usually a legal requirement for every business, but clients, councils, venues and contracts may require it.

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What does it cover?

It can cover third party injury and property damage claims linked to your business activities, subject to policy terms.

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Do sole traders need it?

Sole traders often consider it if they work with customers, visit client sites or interact with the public.

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Related Insurance Pages

• Tradesman Insurance
• Shop Insurance
• Professional Indemnity Insurance