Public Liability Insurance

Public liability insurance covers the legal and compensation costs you are required to pay if a member of the public makes a claim against your business.

What is public liability insurance?

Public liability is a type of business insurance. It covers the compensation costs and legal fees you are required to pay if a member of the public is harmed, or their property is damaged, because of your business activities
We provide public liability cover for a number of different business types

Example of what public liability insurance would cover you for:

  • Someone trips over your toolbox and hurts themselves
  • You’re decorating someone’s house and accidentally spill paint on the carpet
  • You’re cleaning someone’s house and accidentally knock expensive ornaments off the shelf
  • Debris from your scaffolding falls onto a pedestrian

Example of what public liability insurance would cover you for:

  • If someone tripped over a chair in your office
  • A slate falls off of the roof of your office building and injures a member of the public
  • One of your employees causes damage to an individual’s property during an off-site meeting
  • An employee is accidentally injured at work

Example of what public liability insurance would cover you for:

  • A loose brick falls off the roof of your shop and injures a passer-by
  • An elderly customer falls down the stairs of your shop and injures themselves
  • An employee damages a customers property while they are inside your shop
  • A customer is injured by something that was sold to them by your business

Example of what public liability insurance would cover you for:

  • An employee spills a hot coffee over a customer in your shop
  • A loose tile falls from the roof of your shop and injures a passer-by
  • A customer falls ill after consuming food sold to them by your business
  • A customer slips over in your shop and injures themselves

We provide cover for:

Factors which affect the cost of public liability insurance

All businesses are different in nature, and there are multiple
factors that can affect the cost of your insurance.

Why choose Inzurly?

Explore the benefits of our cover today

At Inzurly we strive to make the process of getting public liability cover as straightforward as possible. Some of are benefits are as follows:

The risks of not having public liability insurance

Public liability insurance is not a legal requirement but if you don’t have it you risk…

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.

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