Competitive Public Liability Insurance


Want to save money on your public liability insurance? Let the liability insurance specialists at Coversure compare our markets to find you the public liability insurance that’s right for you. For independent advice and a great value public liability insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper liability insurance.
Public Liability Insurance Backed By ‘Exceptional’ Service
Want to save money on your public liability insurance? Let the liability insurance specialists at Coversure compare our markets to find you the public and employee liability insurance that’s right for you. We can offer liability cover for all sorts of professions, from builders and tradespeople to shop owners and HGV drivers.
For independent advice and a great value public liability insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper liability insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Public Liability Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent allows us to put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 01482 434343, request a callback or get a liability insurance quote today.


Public Liability Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

What is Public Liability Insurance?
Public liability insurance, PL insurance or liability insurance as some people call it, protects individuals and businesses from financial losses should someone be injured or their property damaged owing to your activities. One of the most important insurance policies you can take out, it offers protection over liability claims arising from things such as:
- Someone tripping on a cable while visiting your office
- A tool falling from a scaffold and striking a member of the public’s car
- A truck damaging someone’s wall while making a delivery
- A homeowner damaging a neighbouring property while doing building work
- A tree surgeon destroying a fence while felling a tree
- A customer being injured by something falling from a shelf in a shop
These are just some of the causes of the thousands of public liability cases brought annually in the UK. According to the British Insurance Brokers’ Association (BIBA) UK insurers pay out over £22m per day – £8bn per year – in public liability claims, with the average payout being £13,500. On top of that, there are potentially hefty legal fees, so having public liability insurance in place makes a lot of sense for both individuals and businesses. If you’d like to know more or would like a free, no-obligation public liability insurance quote, then please call us on 01482 434343 or request a callback.
Who needs Public Liability Insurance?
If your business brings you into contact with members of the public, then having a PL insurance policy in place makes a lot of sense. While it’s not a legal requirement, though some employers, such as local authorities, charities, and developer,s may make having it in place a contractual requirement, it’s definitely worth having if you:
Have an office-based business where clients/members of the public can visit
Own a shop
Are a tradesman, builder, or work in construction
Work at events, fairs, or markets
Run a pub, bar, restaurant or cafe
Are a landscape gardener, tree surgeon or someone maintaining public spaces
Are a landlord – especially if you have properties with public or communal areas such as entrance halls in a block of flats
Are a courier, delivery driver, haulier or a business with company vehicles
Work as a taxi driver or a chauffeur
Are a cleaner/run a cleaning business
A hairdresser/barber/nail technician or run your own salon
An engineer such as a gas plumber
Are a scaffolder or a roofer

Who needs Public Liability Insurance?
If your business brings you into contact with members of the public, then having a PL insurance policy in place makes a lot of sense. The types of businesses and organisations that need PL insurance include:
Tradespeople, builders and those working in construction
Shop owners
Cafe, bar, and restaurant owners
Couriers, HGV, and truck drivers
Businesses working in offices that have members of the public coming in
Landlords
Barbers, hairdressers and those work in salons or nail bars
People working at fairs or festivals
Call us today on 0800 977 6037 and let our award-winning team help you.
What does Public Liability Insurance cover?
Depending on what you choose to include in your public liability insurance policy, you can be insured against:
Compensation Claims
So if a person is injured or their property is damaged by your business, and they decide to sue, you’ll be covered. If their claim is successful, you may be required to compensate them financially. If your business’s activities caused the incident, you’d be liable regardless of whether it took place on your premises, theirs, or at another location
Cost of Repairs
If someone’s property has been damaged because of your business’s activities – a garden wall has been demolished while you were doing some landscape gardening, for example – public liability insurance will cover the cost of repairing it
Legal and Medical Fees
It can cover legal expenses you have to pay as a result of a hearing, and if someone is injured it will cover reasonable medical expenses for rehabilitation and recovery costs will be covered
How much Public Liability Insurance do you need?
Most policies will range from £1m to £10m. Some employers, such as local authorities and charities, may insist on you having at least £5m of cover in place. The level of public liability insurance you need will vary depending on the following factors.
The size of your business
The type of work it does – a scaffolder working mainly on buildings in town centres is likely to need higher levels than a shop owner, for example
The size of the contracts you work on
Who you do work for
Your claims history
Your business’s postcode
Whether you have any employees – in which case you will also need employers’ liability insurance
If you’re working at sea
If you’re working with/carry hazardous goods/supplies/materials

How much does Liability Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your liability insurance quote will depend on things such as…
The level of cover you require, e.g., £1m, £2m, or £5m
The type of business you are running
The size of your business
If you have any employees
Your claims history
Who you work for and the size of the contracts you are working on
Where you’re working – at height or in city centres will likely push up your premiums
Whether you want to pay monthly or annually – annually will usually prove cheaper
Whether you work with hazardous materials
Whether you work with hazardous materials
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
We get asked a lot of questions about liability insurance, so to make getting the cover you need easier, here are our public liability insurance frequently asked questions and answers. We’ve covered the most important issues here, but if you’d like some independent advice, then please call us on 01482 434343 or request a callback. Our team of liability insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
If your work brings you into contact with members of the public, then you’d be wise to have a policy in place. Some employers/contract providers may insist on you having a minimum level of cover
That will depend on factors such as the size of your business, the type of work you are doing, where and for whom, and your claims history
No, but given the level of protection it affords you, it’s well worth taking out if you have any dealings with members of the public. As we have said though, some employers/contract providers such as local authorities or charities may insist on you having at least £1m of cover in place
Again that will depend on things like the size of your business, what it does, for whom, and whether you have any employees. Public Liability insurance provides cover limits typically range from £1m, £2m, £5m to £10m
No, employers’ liability insurance, which is a legal requirement, protects employers against compensation claims from their staff for injury, illness or damage to their property through their work
Someone you are working for may ask for proof of your policy. Once you have taken out a policy with us, we can provide you with the documentation you need to prove you have public liability insurance
No, anyone can get a public liability insurance quote. Public liability cover can be essential if you’re an individual selling your homemade foods at a farmers’ market, for example, it’s also important to have public liability insurance cover if you’re a professional tradesperson
Yes, and the types of sickness range from anything minor to life-changing conditions, illness, disease, or even death. These will be covered provided they were caused by you or your business. The injured party may also claim for general damages for pain and suffering
It doesn’t cover:
- Accidents or injuries which happen to you
- Damage to your property
- Accidents that affect your employees or their possessions – that’s covered by employers’ liability insurance
Getting a liability insurance quote from us is easy. You can call us on 01482 434343, request a callback or get a public liability insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
If your work brings you into contact with members of the public, then you’d be wise to have a policy in place. Some employers/contract providers may insist on you having a minimum level of cover
That will depend on factors such as the size of your business, the type of work you are doing, where and for whom, and your claims history
No, but given the level of protection it affords you, it’s well worth taking out if you have any dealings with members of the public. As we have said, though, some employers/contract providers such as local authorities or charities may insist on you having at least £1m of cover in place
Again, that will depend on things like the size of your business, what it does, for whom, and whether you have any employees. Public Liability insurance provides cover limits typically range from £1m, £2m, £5m to £10m
No, employers’ liability insurance, which is a legal requirement, protects employers against compensation claims from their staff for injury, illness or damage to their property through their work
Someone you are working for may ask for proof of your policy. Once you have taken out a policy with us, we can provide you with the documentation you need to prove you have public liability insurance
No, anyone can get a public liability insurance quote. Public liability cover can be essential if you’re an individual selling your homemade foods at a farmers’ market, for example, it’s also important to have public liability insurance cover if you’re a professional tradesperson
Yes, and the types of sickness range from anything minor to life-changing conditions, illness, disease, or even death. These will be covered provided they were caused by you or your business. The injured party may also claim for general damages for pain and suffering
It doesn’t cover:
- Accidents or injuries which happen to you
- Damage to your property
- Accidents that affect your employees or their possessions – that’s covered by employers’ liability insurance
Getting a liability insurance quote from us is easy. You can call us on 01482 434343, request a callback or get a public liability insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like