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Do I need public liability insurance?

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If your business involves interaction with members of the public, there's a good chance you'll need public liability insurance.

Public liability insurance would cover you if someone made a claim against your business for:

  • Personal injury 

  • Loss of or damage to property 

  • Death

It covers you for any visitor to your business who isn't an employee, including clients or customers, and anyone taking part in or watching activities you have organised.


Public liability insurance can protect your business against damage claims by third parties, which could run into tens of thousands or even millions of pounds and even bankrupt your business.

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What does public liability insurance cover?

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Public liability insurance covers legal and compensation costs due to your business causing injury to a third party or damage to their property.

Although you don't legally have to buy public liability insurance if you run a business, unless it’s a horse-riding establishment, it can be a good insurance policy to have. Some clients may ask for proof of insurance before they work with you.

In addition, you may need public liability insurance if you're a member of a trade association or professional body that requires you to have it. 


Not having public liability insurance also makes your business vulnerable to the effects of a claim, which could be so costly that the business is forced to close down.

What our customers say


Although it’s not a legal requirement for most businesses in the UK, public liability insurance is a popular type of cover for a number of reasons. 

Three key reasons

  • If you’re a member of a trade association or professional body, it may require you to have it

  • A client may require that you’re covered as a condition of working for them

  • The cost of a potential claim may seriously harm or bankrupt your business – for many business owners, this alone means it’s not worth risking going without cover

Public liability only concerns damage to property or injury to people who are not your employees. 

If you want cover for your employees if they are injured or become ill through work, or for damage to your own property, you’ll need additional insurance.

Other types of business insurance

When you're running a business, you’ll have a lot of different risks and responsibilities to deal with. You may have employees, stock or equipment and machinery to buy and maintain, a business premises or office and valuable computers and other technology. 

You will need to keep customers and clients safe while visiting your premises, and keep their personal information and data secure on your IT systems. For this reason, most businesses need a range of cover.

  • Employers’ liability insurance: covers legal and compensation costs if an employee becomes sick or injured while working for you

  • Professional indemnity insurance: covers you in case you are accused of professional negligence

  • Business contents insurance: protects your business equipment and stock

  • Directors’ and officers’ liability insurance: this covers claims made against company directors or officers

  • Cyber insurance: pays out in the event of data breaches that result in loss or damage of information from your computer systems.

Insurance costs

How much does public liability insurance cost?

The cost of public liability insurance depends on the size and scale of your business, the type of industry you’re in and whether you’ve made insurance claims before. The number of employees you have is also usually a factor. 

Different businesses will have different risks. For example, a construction company will have different inherent risks from a broadcaster or a small family accountancy firm.

Small business public insurance costs

If you have a small business, public liability insurance could cost you from £60 a year. Your annual premium could be in the hundreds if you run a larger company.

Getting an online quote is the best way to gauge how much your public liability insurance is likely to cost – and using our online tool means that getting a quote takes less than 10 minutes. 

What type of incidents would public liability cover?

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One of the simplest ways to think about what public liability covers is to think about accidents. 

Many businesses face claims from members of the public who have sustained an injury while visiting their premises, such as slipping on a wet floor or tripping over a loose cable. Or it could be a larger, more serious claim involving a number of people. 

Whatever the incident, you could be sued for causing severe or life-changing injuries. The cost of defending the claim could be high, and your business reputation could be adversely affected. 

You must take out employers’ liability insurance (EL) as well if you have employees. It's also important to fully assess all the different risks your business faces.

Public liability - FAQs

Employers' liability insurance

Employers’ liability (EL) cover is a legal requirement for any UK business that hires employees, including full-time, part-time, contractors or temporary staff.

Travel insurance

Travel insurance is a form of cover to protect you while you are away on holiday or travelling abroad. it can also provide monetary compensation for other loss or inconveniences you may suffer when your travels don't go to plan.

Professional indemnity insurance

Professional indemnity insurance, or PI insurance, is designed to protect your businesses if a client loses money because of a mistake you made in your professional services.

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