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Public liability insurance covers your business if a customer, client, or member of the public suffers injury or property damage as a result of your business activities. Your insurer covers legal defence costs and any compensation awarded — which can run to £250,000 or more for serious claims — whether the incident occurs at your premises, a client site, or out in the field.
If your work involves contact with the public or clients, you face real legal and financial exposure. Many clients, councils, event venues, and landlords require proof of £1m–£5m of cover before you can work with them, making it effectively essential for any client-facing business. Without it, you can lose contracts and face unlimited personal liability for claims.
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Everything you need to know about public liability cover before you compare quotes.
It is not a statutory requirement in most cases, but it is effectively mandatory for many businesses. Clients, venues, and public sector bodies routinely require proof of cover — usually £1m–£5m — before work can begin. Without it, you can lose contracts and face unlimited liability.
Most small businesses choose £1m or £2m. If you work with larger organisations, public sector bodies, or in high-risk environments, £5m or £10m may be required. Your broker will assess your specific risk and recommend the appropriate level.
Public liability does not cover claims from your own employees (that is what employers liability is for), damage to your own property, or losses from professional errors (covered by professional indemnity). It covers third-party injury and property damage claims only.
Yes — public liability typically covers your activities wherever work takes place, including client premises, off-site locations, and public spaces. Always check the policy wording confirms coverage for your specific working locations.
Many policies are arranged and activated within hours. Compare Commercial connects you with multiple specialist brokers simultaneously so you receive competitive quotes fast — often with cover in place the same day.