Hiscox explains: Public liability insurance


Hiscox banner shape mask mobile Hiscox banner shape
October 7th, 2020
Hiscox Experts

Hiscox insures more than 300,000 UK businesses and has been named Best Small Business Insurance Provider by Start Your Business magazine for eight years in a row.

 
Read the Hiscox explanation for public liability insurance

So, do you need public liability insurance if you’re not a liability?

Let’s put it this way, it’s not about covering accidents you have, but covering accidents caused by your business to customers or the public.

Maybe it’s something small like one of your team dropping coffee on your client’s laptop, or maybe it’s something much larger. 

Maybe a customer or member of the public gets hurt. 

Whether your business is accused of accidental damage or causing injury, public liability cover protects you against the drama that court fees and compensation bring. 

And that explains… public liability insurance.

Related articles


Hiscox explain professional indemnity insurance hero image

Hiscox explains: Professional indemnity insurance

What is professional indemnity insurance and why might small businesses need it? Watch this explainer video to understand the role of professional indemnity cover.

woman looking at documents in folder

Public liability certificate: What you need to know

Understanding insurance-related documentation may be an important step in managing your business risks. Read our guide to the public liability certificate to learn the essentials.

small business owner writing notes at laptop

How insurance may benefit your small business

Choosing the right cover may help to manage risk and even client relationships. Learn more with Samantha Newman's guide to the benefits of small business insurance.