Public liability insurance comparison, cover and quotes

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We can match you with over 40 insurers

No jargon, no faff, no hidden fees

Get your insurance policy cover in minutes

For customer service or to retrieve an existing quote, call us on 0800 860 6833

We work with and compare the top UK business insurance suppliers

What is public liability insurance?

Public liability insurance protects you in case someone is injured, or dies, or damages their property while on your business premises (or just while you carry out your business’s services).

Technically it covers the costs of any compensation claims, legal fees or medical bills if your business is found to have caused the problem.

It’s worth noting that public liability insurance doesn’t cover your employees - this is covered by another policy called, you guessed it, employers’ liability insurance.

What does public liability insurance cover?

As a business owner, you're responsible for your firm's activities, and it’s inevitable that accidents will happen from time to time. Having public liability insurance cover provides the peace of mind that you’re insured against the following:

Compensation costs

Public liability insurance covers you against compensation claims for injury or death of a ‘third party’ (like a customer or a member of the public). It also covers you if you’re held accountable for damage to their property. You can get protected whether an incident happens on your business premises, a customer’s premises, or anywhere your business operates.

Legal expenses

If a claim is made against your business, your public liability cover will foot the bill for the cost of defending your business against the claims, and pay compensation if your business is found to be at fault.

Repair costs

If your business is held liable for damaging a third party’s property, your public liability cover will pay for the cost of the damage caused. If, for instance, a painter and decorator ruined a rug by spilling paint on it, the cleaning costs would be covered by their public liability policy.

Medical fees

Public liability insurance can also cover the cost of a claimant’s hospital treatment, should they include this in their claim against you. It might include the cost of an ambulance call out, and NHS or private treatments.

Does my business need public liability insurance cover?

Although public liability insurance isn’t a legal requirement, you should consider it essential cover if your business in any way involves dealing or coming into contact with members of the public, whether at your own premises or elsewhere. Even homeworkers should consider it, if they have business visitors coming to their home.

You may even find it impossible to do business without public liability insurance - some clients insist you have cover in place before they’ll do business with you. This is often the case with public sector contract work and councils often need you to have public liability insurance to have a stall at their local market.

How do I get my business a public liability insurance policy?

The most important thing to consider when buying any business insurance policy is the level of protection it offers - price is obviously important, but if your policy doesn’t provide the right level of protection, it could be useless if you ever have to make a claim.

It’s also important to consider the amount of excess on the policy, which is the amount you pay towards a claim before your insurance company pays out. Setting a higher excess usually helps to bring down the cost of your insurance policy, but setting it too high could land you in financial difficulty if you ever have to make a claim.

Be aware that public liability insurance won’t cover you against accident that happen to you or your employees, or damage to your property or that of your employees, but if your business deals with anyone that isn’t employed by you, public liability insurance is essential.

Speak to the Bionic business insurance team to get business insurance that is tailored to suit your exact needs and cover against the real risks to your business. No more. No less. No faff.

Why get your public liability insurance sorted with Bionic?

We work closely with a panel of reputable business insurance providers to get you quality cover that meets your exact needs, but has no unnecessary extras.

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Our team talk your language and won’t waste your time, working with you to just find the right policies for you.

    3-year price protection guarantee

    With Bionic insurance you’re protected from price increases for three years, and protected from hidden costs for life.

      Renewals remembered for you

      You never have to worry about missing an insurance policy renewal date, as we’ll keep you updated for complete peace of mind.

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