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What is public liability insurance?

Public liability insurance is designed to protect you against injury or property damage claims brought against you by members of the public. If you or a member of staff injure a non-employee or damage their property, you could be held liable and be ordered to pay compensation by a court.

Public liability insurance protects you against the legal fees and obligation to pay for damage or injury that was caused.

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What does public liability insurance cover?

Most public liability insurance policies provide cover for the following:

  • Legal costs in defending a claim from a third-party
  • Cover for individuals that are acting on behalf of your business

Why do I need public liability insurance?

If you own a business that members of the public or clients visit, you and your employees are at risk of causing damage or injury to a third-party or their property. Even something as innocuous as a client tripping over a desk could result in a large legal claim being brought against your business. Unfortunately, due to the popularity of ‘no win, no fee’ services, public liability claims are on the rise and more and more claims are being brought against companies that are not actually guilty.

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Frequently asked questions

Public liability insurance is not a legal requirement in the UK but it is an important and useful cover for any business that interacts directly with the public.
Public liability insurance covers the cost of legal action and compensation claims made against your business if a member of the public is injured or their property is damaged while at your business premises or when someone interacting with them on behalf of your business.
Businesses and the self-employed are eligible for public liability insurance as there is a risk that a member of the public may claim against you or your business for injury, illness or damage to their property.
Public liability insurance covers claims of injury, illness or property damage by a member of the public against your business. Professional indemnity insurance covers claims from clients and customers in relation to work carried out for them.
If you do not have public liability insurance then your business will have to pay for the legal costs and settlements arising from a successful claim made against your business by a member of the public.
No, public liability insurance covers the cost of claims made against your business by members of the public. Employers liability insurance covers claims made by employees.
Public liability insurance covers cost of legal action and compensation claims made against your business if a third party is injured or their property is damaged while at your business premises or when someone interacting with them on behalf of your business.
A visitor to your office falls down the stairs and is badly concussed. They subsequently sue your business and claim compensation for the head injury that they sustained. In this circumstance, your public liability insurer would cover the costs of paying compensation to the injured party.

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