Public Liability Insurance

Public Liability Insurance covers the cost of compensation to members of the public for death, injury or damage to their property which happens as a result of your or your employee’s negligence.


A Member of The Public means:  Anyone who is not an employee, including people who are visiting your business, people taking part in activities and people watching activities that you have organised.

Why do I need public liability insurance?

It protects you and your business against the cost of claims made by members of the public (customers / people visiting your business) for incidents that occur in connection with your business activities such as compensation for:

  • Personal injuries
  • Loss of or damage to property
  • Death


What does public liability cover?
Public liability insurance covers you financially against compensation, legal fees and expenses that you may have to pay to a member(s) of the public (e.g. a customer, supplier, visitor or a passer-by) following a claim against you / your business as a result of them suffering and injury or their property being damaged.


How much cover do you offer?

You can buy different levels of cover ranging from £1m, up to £10m.

Why get public liability insurance from UK & Ireland Insurance (Services) Online Limited?

When buying any insurance product, you should shop around for the best policy. Via our weblink you can compare public liability insurance with a panel of specialist public liability insurance providers to help you find a policy that suits your needs.

Who needs public liability insurance?

You should consider public liability insurance if:

  • You own business premises that members of the public, customers or clients visit
  • Your business organises off site events or activities that are attended by members of the public
  • You run a business from your home and people visit your home for professional purpose


Who does public liability cover?

  • People visiting your business
  • Customers
  • Clients
  • People taking part in events or activities you have organised
  • People watching events or activities you have organised

Important: It does not cover employees, temporary staff, students or people on work placements

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