If your business deals with clients or members of the public, or if
you come into contact with the public in the course of your business
activities, Public Liability Insurance should be the top priority
insurance cover on your list.
Public Liability Insurance claims are often extremely high,
sometimes running into the hundreds of thousands. This means that a
business which isn’t covered could be in serious financial trouble if
it found itself liable to pay damages or compensation from its own
The number of firms now offering ‘no win no fee’ claims services
means that no business can afford to be without comprehensive business
Public Liability Insurance can cover your business for damages and
compensation payouts along with any related legal fees in the event
that your business has caused injury or death to a member of the public
or damage to their property.
While it is not a legal requirement to have Public Liability cover,
most businesses are expected to have a minimum cover of £2m. Companies
operating without it may find it more difficult to do business.
- Compare live insurance quotes from leading insurance companies
- Buy direct with us – either online or by phone
- Tailor your policy to your exact business needs
- Speak to knowledgeable staff at our UK contact centre
- No messy paperwork – your documents are held online until you need them
- Link to your policy from your website – show your customers you’re covered
A contractor drives his cherry picking vehicle into a fellow contractor
driving his cherry picking vehicle from one site to another, the man
who was guiding him through the dark street inadvertently found himself
trapped when the vehicle was being parked and it ran over his leg,
breaking it in two places.
As a contractor, the driver was required to have his own public
liability insurance, and as such the injured party was able to claim
damages covering: PSLA (pain, suffering and loss of amenity) of
£15,000; Loss of earnings to £8,000; Care to trial of £1,500; Medical
expenses of £7,000; Claimant costs of £8,500 and his own costs of
A joiner punctures a water pipe and causes extensive damage to a development
joiner was contracted to install all the joinery in 26 of the flats in
a housing development. When the cold water system was tested the piping
was found to have been punctured, which caused extensive water damage
to some of the flats.
Although not completely aware that he had caused the damage himself,
he found himself liable for the damage and had to claim on his
insurance for covering the cost of the repair work and his own related
costs, amounting to £35,000.
Repairs to shopping centre sprinkler system result in claims from several parties
employees from a company contracted to refurbish the sprinkler system
at a large shopping centre neglected to cap off the end of part of some
pipework, which resulted in a flood once the water was switched back
on. Water damage was caused in the centre premises to the stock of
The sprinkler maintenance company had insurance to a limit of £5m,
which more than covered them for the resulting claims of around £25,000.