Public Liability Insurance
Working with customers, visiting clients or welcoming people to your premises all bring your business into contact with others. Public Liability Insurance is designed for the liability risks that can come with those everyday interactions.
From £5 a month
Public Liability Insurance helps protect your business against everyday risks involving customers, clients and members of the public.
Protection if someone is accidentally injured in connection with your business activities.
Cover if your business accidentally damages property belonging to someone else.
Protection if a product you sell or supply causes injury or damage to someone else's property.
If a covered claim is made against your business, Public Liability Insurance can help with compensation or damages you're legally liable to pay, together with eligible legal defence costs and expenses.
Even well-run businesses can face unexpected accidents. Here are a few examples of how a Public Liability claim could arise in everyday situations.
You're working at a client's premises and accidentally damage an expensive piece of equipment. The client holds your business responsible for the cost.
A customer trips over equipment while you're carrying out work and suffers an injury. They make a compensation claim against your business.
A customer slips on a wet floor at your premises and is injured, resulting in a claim for compensation.
Public Liability Insurance
From
a month
£1m · £2m · £5m cover available
Choose the level of protection that reflects your business and any minimum cover required by clients or contracts.
Prices shown are average monthly equivalents of annual premiums. Your price will depend on your business and the cover you choose. Monthly payments are available at 0% APR, with a higher first payment.
Eligible online policies also include access to practical legal support and business resources.
Speak to qualified solicitors about contracts, employment law, health & safety and other business-related legal issues.
Access ready-to-use contracts, policies, procedures, guides and templates.
Still not sure? Call us on 01225 284968.
Generally, no. However, clients, contractors, venues or contracts may require you to have it.
It depends on your business and any requirements set by clients or contracts. Available online limits range from £1m to £5m.
No. Work-related injury or illness claims from employees are generally dealt with by Employers' Liability Insurance.
Eligible online Public Liability policies include Products Liability for injury or property damage caused by products you sell or supply.
It can still be relevant if clients visit you, you visit client premises, attend events or otherwise interact with members of the public through your work.
Public Liability primarily deals with injury to other people or damage to their property. Professional Indemnity is designed for claims arising from professional advice, services, errors or omissions that cause a client financial loss.
Online insurance available through Captivo is provided by Markel, an established specialist insurer with more than 25 years' experience in business insurance. You'll see full insurer and policy details before you buy.
Cover for claims arising from professional advice, services or mistakes.
View Cover →Cover for employee injury or illness, and a legal requirement for most employers.
View Cover →Cover designed to help businesses respond to cyber attacks, data breaches and other digital threats.
View Cover →Get covered for the everyday interactions that come with doing business, with policy documents available straight away.
