Public Liability Insurance UK: What It Covers
Public liability insurance may respond to covered claims alleging injury or property damage to third parties arising from business activities. It is not a universal cover for every dispute.
Who considers it
Businesses interacting with customers, visitors, clients or the public may consider it; clients, venues or contracts may require evidence of cover.
Limits and scope
Check the limit, activities described, locations, products or completed work, subcontractor arrangements and exclusions.
Not the same as employers’ liability
Public liability and employers’ liability address different exposures. Employers’ liability is subject to separate UK legal requirements and exceptions; check official guidance for your circumstances.
Questions to ask before arranging cover
What should I check before buying cover?
Read the policy wording and schedule, check exclusions, limits, excesses and the claims process, and ask the insurer or broker about anything unclear.
Does this page provide a quote?
No. This is general information, not a quote, recommendation or a statement that a particular policy is suitable.