Compare public liability insurance

Compare the UK’s leading public liability insurance providers to help you find great deals.

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Compare some of the UK’s top public liability insurance providers, to help you find great deals.

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Frequent Questions

If you run a business, you will likely have purchased, or considered purchasing, public liability insurance to cover you.

It is important that you get a good policy that you can rely on, as you may need it to prevent your business from losing a serious amount of money. Because of this, there may be a few things you’d like to clear up before you decide which policy you want to go for. Maybe you’re not sure why it’s worth comparing public liability insurance policies, how long it will take or what cover you need?

Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on public liability insurance.

This should not be constructed as advice and is guidance only.


What is public liability insurance?

Public liability insurance can cover you, should a member of the public become injured as a result of your business, or you damage someone’s property while carrying out your work. You may be able to claim on your public liability insurance to cover any compensation due to that person, or any legal costs if they decide to take you to court.

Most public liability policies can cover you for incidents that occur on your business premises. They can also cover incidents that take place elsewhere, such as at any events or activities organised by your company.

Do I need public liability insurance?

You will need public liability insurance if members of the public, customers or clients visit your business premises. You will also need insurance if your business organises events or activities that are attended by members of the public.

Use our comparison service to get an idea of how much public liability insurance will cost you. Your insurance premium is usually based on the type of business you run, the number of people you employ and your insurance claims history.

It is important to note that public liability will not cover employees, temporary staff, students or people on work placements. For those who are not covered, you will need employers’ liability insurance.

Is public liability insurance required by law?

Public liability is not compulsory under UK law but It’s worth taking into consideration if you are in the public sector. As it can protect your business financially in the event of someone taking legal action by making a claim against you for an injury or property damage.

How much public liability cover do I need?

The amount of public liability insurance cover you will need varies from business to business. Most public liability policies start at £500,000 going all the way up to £5M. The levels of cover are in the millions because compensation figures can take into account medical costs, third-party loss of earnings, legal fees and any ongoing care costs.

While considering which level of public liability cover best suits your business, take into consideration the amount of interaction your business may have with the public on a day to day basis. Along with any damage that might be caused by your type of business.

Do I need additional business insurance?

As well as public liability insurance, you may need additional insurance for your business.

Employers’ liability insurance
If your business has one employee or more, freelance staff or even volunteers, you will need employers’ liability insurance; it is a legal requirement. Employers’ liability insurance can cover you, should an employee claim compensation for a work-related illness or injury. The minimum level of cover required by law in the UK is £5 million.

Professional indemnity insurance
Professional indemnity insurance, or PI insurance, is designed to cover the cost of paying compensation to a client. This occurs when your poor service, advice or designs have caused damage to their reputation, or lost them money in sales or a corporate partnership. The client in question could be a company or a member of the public and you could even have given the advice for free.

Professional indemnity insurance is relevant to businesses which offer knowledge, skills or advice as part of their work. These can range from marketing agencies to PR consultancies, management consultants, web agencies and design companies. All of these organisations offer advice, which could lead a company to change its strategy.