Spend some time entering details about your business. You’ll get access to a variety of quotes so that you can find the right one to suit you.
Compare the UK’s most reputable policies and prices to find the right insurance plan for you.
Choose a policy. Your cashback will be on its way and in your account in less than 60 days.
If a claim is filed against you, for example, if anything happens at work that causes injury to a client, a member of the public, or damage to someone's property, public liability insurance will help protect your business.
Meaning, if you do something that causes injury to a member of the public or damage to their property, it will safeguard your business from damage and the cost of legal claims made against you.
Public liability insurance is not required. In fact, the only mandatory protection in the UK is employers' liability insurance, which is a legal obligation for most businesses that employ people. If you work in the public sector, or provide a service to members of the public, then it is highly recommended you should get public liability insurance.
This will help you protect yourself financially should anything unforeseen and unfortunate happen to a customer or client when on your business premises.
Professions that should seriously consider protecting themselves with public liability insurance include:
The average yearly public liability insurance premium in the UK is £119.37. However, some small enterprises and sole proprietors will pay less, sometimes as little as £40 a year.
When putting together a quote for your business, there are a few factors to keep in mind so that you’re not overpaying for the type of cover you require:
Cover the expense of claims filed by members of the public for accidents that occur in the course of your business operations.
If you have employees, this is required by law. It covers the cost of compensating employees who are injured or fall ill on the job.
Landlords are protected in the event that a person is injured or their property is damaged as a consequence of your negligence.
Covers clients' compensation payments for loss or damage caused by a business's or an individual's services or advice.
If you rely on laptops or phones, then repairing or replacing them can become costly, this covers your if they’re accidentally damaged or stolen.
This covers you for accidental or malicious damage on construction projects, helping you to recover costs and start working again.
Some insurers will pay out a lump sum of around £2000 if you or a key partner under the age of 75 are involved in an accident that results in death, permanent disability, loss of limb or sight.
Weekly benefits for a key partner (under the age of 75) who’s temporarily injured and unable to work, paid for up to 104 weeks.
When shopping around for a new public liability insurance policy for your business, it is important to make sure that not only do you have the right level of cover for your business, but also, that your policy includes the following as standard:
For third-party injuries or property damage, whether they occur on your premises, theirs, or someplace else.
In the event that a claim is made against you, coverage should be offered to assist with the expense of any legal procedures.
This covers the cost of repairing damage – for example, if you’re a builder and your work causes damage.
If the NHS decides to file a claim against you, this covers the cost of hospitalisation and an ambulance callout.
This may be a legal obligation even if you only have one employee. It will cover your liability if your employees are hurt on the job or become unwell as a result of their work.
This protects you and covers your legal fees if clients think you’ve made a mistake, or given them bad advice that’s caused a financial loss.
For the tradesman, this covers accidental loss, theft or damage to your own plant, tools and equipment.
This is important to have if you regularly use hired equipment, and covers you in case it’s accidentally damaged or destroyed in your care.
As well as a few personal details about yourself (your name, date of birth, contact telephone number), you will need information about your business too. (company/trading name, trading address) To compare quotes you'll need the following information:
If people come to your house for business, you'll require public liability insurance. Accidents can occur even if they simply visit your premises briefly. If a member of the public sues you for serious injury or property damage, public liability insurance will compensate you and cover your legal bills. Check out our guide to working from home insurance to find out more.
Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.
When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
*Cashback rates - £4 per valid public liability insurance purchase.