You can choose standalone public liability insurance or combine it with our other coverage options and add-ons.
Whether you're a tradesperson, a small business owner, or self-employed, we have the coverage you need.
What is Public Liability Insurance?
Public liability insurance is a form of business coverage that protects you if someone makes a claim against your business for accidental injury or property damage. It covers the costs of legal fees, compensation claims, and the repair or replacement of damaged property.
While it's not a legal requirement, public liability insurance can help shield your business from unexpected expenses.
Additionally, customers may require you to have this coverage as part of a business agreement. Most public liability policies provide coverage for incidents that occur either at your business premises or off-site.
Although public liability insurance isn't legally required, it is strongly recommended that businesses have the appropriate coverage. Our standard policy starts at £1 million in coverage, with the option to increase it up to £5 million.
Our customers pay from £64** per year or £5.27*** per month for public liability insurance. We understand that every business is unique, which is why you can choose to pay your policy either annually or in monthly instalments.It's important to keep in mind that the cost of public liability insurance can vary based on several factors specific to your policy.
Your occupation can impact the cost of your insurance, as trades that involve extensive use of equipment or dangerous machinery are considered higher risk.
The location where you carry out your work can also influence your premium. Businesses in areas with high foot traffic or those that interact regularly with the public are at greater risk of accidents.
The number of staff you employ will affect your premium as well. More employees mean a higher potential for claims related to negligence or accidental injury.
Yes, all businesses, including self-employed individuals, can benefit from having public liability insurance. Whether you're working for yourself or for someone else, you're likely to interact with third parties, which makes this coverage important.