Public liability insurance

Despite your best intentions, accidents do happen and if the accident is as a result of something your business has done then a client, contractor, or member of the public can claim against your business for compensation. Your public liability can be triggered by something as simple as spilling a drink over a client’s computer, or a contractor slipping on a wet surface in your office incurring injury or damage.

To help protect your business, Hiscox can provide small businesses with public liability insurance as a standalone policy or it can be purchased together with our range of business products including Hiscox Employers’ Liability Insurance.

Why have public liability insurance

• Even if you don’t have visitors to your office or home, you could still suffer a public liability claim against your business if you accidentally damage a client’s property in their office for example
• Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a public liability claim
• Anyone working for you could trigger a public liability claim against your business if their actions at work injure a client or member of the public
• Many companies and organisations will also insist on their suppliers having public liability insurance cover in place.

How Hiscox Public Liability Insurance protects you and your business

• Covers you when you have to pay compensation because a client, contractor or member of the public is injured and your business is at fault
• Pays out up to £100,000 to cover legal fees spent in defending a claim
• You can combine our public liability cover with employer’s liability insurance to create one simple package; alternatively it can be purchased on its own.

If you have employees, employers’ liability insurance is a legal requirement and can be bought as a package with our public liability insurance.

Find out more about the benefits of Hiscox liability insurance >