Speak to our friendly team

Prima Insurance

Speak to our friendly team

0330 088 1135

Business Insurance >>

Public Liability Insurance

A business must have public liability insurance, especially if they host visitors or perform work on client sites. If your business is responsible for personal injuries or property damage to clients, suppliers, or the general public, the insurance can cover the legal fees and compensation claims.

Standard cover includes:

Accidental damage

Legal expenses


Flexible cover options


Public Liability Insurance

Do I need Public Liability Insurance?

You should have this cover if you:

• Communicate face-to-face with customers, clients, and members of the public
• Provide services at your client’s location, whether it be a construction site, their home, or office
• Participate in fairs and events
• Have visitors to your premises


Common Inquiries


Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Is public liability required by law?

Public liability insurance isn’t required. There is only one compulsory cover in the UK, and it is employers’ liability insurance.

Although it isn’t required by law, you should consider including public liability as part of your business insurance policy anyway since it will protect you in case someone makes a claim against you for injury or property damage caused by your business.

When do you need public liability insurance?

Public liability insurance is a must if you regularly deal with the public.

In the event that a member of the public sues you, public liability insurance provides protection for you. Despite not being required by law, it can protect you from crippling compensation costs. The policy is popular with tradespeople, hairdressers, restaurant owners, and shopkeepers.

How much is public liability insurance?

Public liability insurance does not have a standard, average price. There are various factors that influence the actual cost, such as the type of business you operate, your claims history, and the level of cover you require.

In most cases, the price of your public liability insurance (your premium) is based on several factors, including the type of business you operate and the level of coverage you select.

Insurance companies predict the likelihood of making a claim and the cost of that claim. Typically, this means that companies that are more likely to face steep compensation claims will pay a higher rate for their public liability insurance.

Expert advice from Prima Insurance Brokers

With years of dedicated experience in the insurance industry, we are your go-to choice for comprehensive Public Liability Insurance. Our commitment to understanding your needs sets us apart as your dependable insurance partner.

We recognize the intricacies of managing liability in various sectors, and our expertise allows us to guide you through the complexities, from legal obligations to effective risk management. We’re here to provide you with the peace of mind you need to protect your business and assets.