Liability

Public Liability Insurance

If your business means you deal with people face-to-face, Public Liability Insurance protects you in the event that your client or a member of the public claims against you following an injury sustained in your workplace.

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Key policy features

  • Premiums start from as little as £50.00 per year* depending on your business type and cover you require.
  • We can arrange Public Liability Insurance for a wide range of businesses.
  • We offer four levels of Public Liability Insurance to suit your business requirements. We can cover up to £10 million.

*Price based on lowest premium in March 2019, subject to IPT

Public

Why choose Business Choice Direct?

If you own a business, you want peace of mind so you can get on with the day to day running of selling your products or services. Regardless of how careful you are, a workplace accident has the potential to have a significant impact in the event that any claim is made against you.

We can help you to find Public Liability Insurance at a competitive price to protect your business against the cost of claims, compensation payouts, and legal costs.

To save you time searching for additional products to compliment your Public Liability Insurance needs, we can also offer a range of products including Employers Liability, Tools Insurance, Professional Indemnity Insurance, Property Insurance and Fleet Insurance. You can discuss your requirements with our team and let us design an insurance package tailored to you.

Public Liability

Frequently Asked Questions need some help?

What is Public Liability Insurance?

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.

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.

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.