Public Liability is a type of insurance that protects you in the event that a member of public was to sue your business. It covers you against the cost of claims made against you if a member of the public has suffered an injury as a result of your business.
FAQ: Public Liability
Why do I need Public Liability Insurance?
If you are a sole trader or partnership with no employees it is not a legal requirement to have Public Liability Insurance. However, it is recommended that you have Public Liability when working on public property. You may also be required to have Public Liability Insurance as part of a contract with a principal contractor.
What levels of cover do you offer?
We offer cover for £1 million, £2 million, £5 million and £10 million, so you can select which cover suits your business requirements best.
Why do I need to cover a sub-contractor under my policy?
If they work under your instruction using your equipment they are your responsibility and therefore will need to be covered.
Is Public Liability Insurance a legal requirement?
While Public Liability Insurance is not compulsory under UK law, it is strongly recommended and may be required by some of your clients. Depending on your business, some organisations will require you to have proof of Public Liability Insurance cover before agreeing to a contract.