Cover from just £5 per month
Compare public liability insurance quotes for UK businesses, tradespeople and contractors. Protect against claims for injury or property damage and get cover that keeps your business moving — not falling behind.
We help UK businesses compare public liability insurance more easily, more quickly and with less hassle. But don’t just take our word for it — see what our customers have to say.
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Compare QuotesPublic liability insurance can be important for a wide range of UK trades, contractors, freelancers and service businesses. If your work brings you into contact with customers, members of the public, client property or third-party sites, there is usually some level of risk. Click on any trade below to open a secure-style pop-up showing examples of the kinds of real-world risks and insurance considerations commonly faced in that line of work.
Click any trade card below to view example real-world risks and why public liability insurance may matter.
If your business deals with customers, members of the public, client premises or third-party property, public liability insurance can be one of the most important types of business cover to consider. It is commonly arranged by tradespeople, contractors, freelancers, service businesses and many other UK firms whose work could accidentally cause injury or property damage.
As an insurance broker, we can help you compare public liability insurance quotes from insurers and schemes that may suit your business. Cover always depends on the insurer, your trade, your business activities and the policy wording, but the sections below outline the kinds of areas that public liability insurance typically aims to protect against.
Public liability insurance is typically designed to help if a third party claims they were injured in connection with your business activities. This could include incidents involving customers, visitors, passers-by, clients or other non-employees.
Many public liability policies can help with claims where your work, tools, materials or business activities cause accidental damage to someone else’s property. This might include damage to a customer’s home, office, stock, fixtures, fittings or vehicles.
Depending on the insurer and the policy terms, public liability insurance may also help with legal costs involved in defending a covered claim. This can be important if a claim is made against your business and you need to respond formally.
Tradespeople, contractors and service businesses often arrange public liability insurance because they regularly work at client premises. If an incident happens while carrying out work on site, this type of cover may help protect the business against third-party claims.
Public liability cover is often relevant where your business creates temporary hazards, such as trailing cables, ladders, tools, materials, wet floors, access issues or working areas that may expose the public or clients to injury or damage.
Public liability insurance may be considered by builders, electricians, plumbers, cleaners, gardeners, decorators, handymen, instructors, freelancers, shop-based businesses and many other trades and professions that interact with the public.
In simple terms, public liability insurance is usually there to help if your business is held responsible for accidental injury to a third party or accidental damage to third-party property. It is commonly arranged by businesses that work face-to-face with customers, visit client premises, carry out manual work, install products, provide services or operate in places where the public may be present.
When people search for public liability insurance, cheap public liability insurance, contractor public liability insurance or business liability insurance, they are often looking for cover that reflects the real risks of doing business day to day. That is why it is important to compare more than just the price and also look at the limits of cover, exclusions, business activities accepted and whether the policy is suitable for the work you actually do.
Here are five of the most common questions we hear about public liability insurance, from sole traders and contractors to growing UK businesses.
Public liability insurance is designed to help protect businesses if a third party claims they were injured or their property was damaged because of the business’s activities, subject to policy terms and insurer criteria.
It is commonly considered by tradespeople, contractors, freelancers, shops, service businesses and many other UK businesses that interact with customers, members of the public or client property.
Public liability insurance may help with third-party injury claims, third-party property damage claims and, in some cases, legal defence costs connected to a covered incident.
Public liability insurance is not usually a legal requirement in the UK, but many businesses choose it because clients, contracts, venues or local authorities may expect or require proof of cover.
Yes. You can compare public liability insurance quotes online through Compare Crazy, helping you explore cover options from insurers and schemes that may suit your business, subject to underwriting acceptance.