Public liability insurance is the cover you need to protect your business if someone makes a claim related to injury or property damage in your workplace/places you carry out work – or because of work you’ve carried out.
Public liability insurance covers you if a customer or member of the public makes a claim against your business relating to injury or property damage. With Inzurly's Public liability insurance you can get different levels of cover to suit the nature of your business.
Who needs public liability insurance?
Public liability insurance is not a legal requirement in the UK but it is an important and useful cover for any business that interacts directly with the public.
What does public liability insurance cover?
Public liability insurance covers the cost of legal action and compensation claims made against your business if a member of the public is injured or their property is damaged while at your business premises or when someone interacting with them on behalf of your business.
Do I need public liability insurance if I am self employed?
Businesses and the self-employed are eligible for public liability insurance as there is a risk that a member of the public may claim against you or your business for injury, illness or damage to their property.
What is the difference between public liability and professional indemnity insurance?
Public liability insurance covers claims of injury, illness or property damage by a member of the public against your business. Professional indemnity insurance covers claims from clients and customers in relation to work carried out for them.
What happens if you do not have public liability insurance?
If you do not have public liability insurance then your business will have to pay for the legal costs and settlements arising from a successful claim made against your business by a member of the public.
Does public liability insurance cover employees?
No, public liability insurance covers the cost of claims made against your business by members of the public. Employers liability insurance covers claims made by employees.
What is included in public liability insurance?
Public liability insurance covers cost of legal action and compensation claims made against your business if a third party is injured or their property is damaged while at your business premises or when someone interacting with them on behalf of your business.
