Public Liability Insurance
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Public Liability insurance covers your business if someone outside your team gets injured, or has something of theirs damaged, because of something you did or something that happened on your watch. A client, a visitor, a courier, a member of the public. It covers your legal costs and any compensation you end up owing. Most businesses assume this is a trades thing, builders, retailers, that sort of world. It isn't. If anyone who isn't on your payroll ever comes near your business, attends something you've put on, or interacts with your work in a physical space, you've got an exposure.
What This Covers
Your legal costs when someone outside the business makes a claim against you- Compensation owed to someone who gets hurt
- Damage to someone else's belongings caused by your business
- Claims from events, launches, or client site visits
- Slips, trips, and falls on your premises
- Accidentally damaging something at a client's office
- Legal costs if a claim turns out to be fraudulent or exaggerated
What This
Does NOT Cover
Injuries to your own staff (that's Employers' Liability)- Damage to your own kit or property
- Anything deliberate or reckless
- Liability you've taken on through a contract beyond your normal duty of care
- Mistakes in your work or advice (that's Professional Indemnity)
- Vehicle accidents on public roads
Illustrative
Claim Example
Illustrative Example
A 55-person creative agency hosted a client drinks event at their London studio. A guest slipped on a wet floor near the bar and fractured their wrist. They brought a personal injury claim against the agency. The public liability policy covered the full legal defence, a medical assessment, and a £22,000 compensation settlement. The agency paid their £500 excess and nothing more.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
You host clients, guests, or visitors at your place
You run or attend events, launches, or networking
Your team works in client offices or other people's premises
You're in retail, food and drink, or anywhere people physically show up
Who Needs This Insurance
Ready to
get covered?
Get a quote for Public Liability cover scaled to your business activities.
