Public liability insurance keeps your business prepared for
compensation claims from customers, suppliers and other members of
Your public liability is triggered when accidents and mishaps
occur, because of something your business has done, or
Public liability insurance responds to your liability to the
public i.e. when there has been an injury, or damage to/loss of
property. It pays related expenses and legal fees.
It will potentially meet the cost in many situations. For
example, if you are on a client’s premises and accidentally spill a
drink on a computer; or if a customer trips, or suffers an electric
shock on your premises. Your public liability could be triggered by
something as simple as a wet floor.
It is not a legal requirement, but some clients may insist on
you having public liability before doing business with you. It
keeps your business prepared and reassures clients, suppliers and
To cover employees, you need employer’s liability insurance.
Many of our specialist policies include both together.
Contact your local office