Public liability insurance acts to protect businesses from claims made against them by clients or members of the public. Should your business activities result in accidental injury or property damage, the right level of liability insurance could prove essential.
Public liability insurance is available to businesses and self-employed professionals to protect against the cost of claims, compensation payouts, and legal costs. Even if you know that your business is not responsible, legal defence may be costly and the financial recovery hard. Don’t wait for that day, get immediate cover against the liability risks you face.
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 such as Hiscox Employers’ Liability Insurance for more comprehensive cover.
Tailored liability policies are also available to professionals working for themselves, visit our self-employed liability insurance page to find out more
Public Liability from £55 a year: based on policies from at least 10% of our customers
Up to £10 million of cover – gain peace of mind that your business is covered for compensation payable and the costs of defending a claim up to the level of cover you select.
Injury and property damage – your business is comprehensively protected against accidents involving clients or members of the public.
Criminal defence costs up to £100,000 – get cover for your legal fees if your business finds itself the subject of a criminal claim for breach of a regulation or statute.
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
No business operates without the risk of accident. If your services involve contact with customers, contractors, or members of the public, then you are exposed to public liability risks. It’s important that, should the worst happen, your business is in a position to deal with these claims and not let day-to-day operations suffer.
Business owners striving to work with utmost precision are still vulnerable to claims. No matter how much care we take, we cannot foresee all the trips and slips that could occur as a result of your work, forming the basis of a claim. It only takes one court case to disrupt your business and your financial position.
For the self-employed too, public liability insurance can offer essential financial protection. For example, if you’re a freelance photographer and a client claims that you dropped your camera on their car, damaging the paintwork, public liability insurance would cover the compensation owed to them by you.
Public liability insurance is not a legal requirement, but it proves invaluable in the face of costly claims. For small and large businesses alike, it’s hard to keep track of all the ways your business is exposed to risk. Any service you provide or product you produce could trigger a public liability claim against your business if they injure a client or member of the public. The presence of 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.
As well as acting as a way to protect you from past mistakes, public liability also opens up opportunities for your business in the future. Some organisations, such as event organisers or trading authorities, require businesses to have a certain level of public liability insurance in place.
Due to the diverse nature of business, there’s no set answer to the question, ‘How much does public liability insurance cost per year?’. Public liability insurance quotes from Hiscox start from just £55 a year for some businesses.
Getting a quote can be quick and easy, and will give you a price that is tailored specifically to you and your business. Contributing factors to the amount you pay for your policy will include the level of cover you choose and the kind of activities your company undertakes.
We want you to understand the public liability cover we offer.
If you already have a policy with us and need to get in touch, our business insurance specialists are here to help.
When things go wrong, we’re the experts in putting it right. Need to make a claim?
Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.
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About Us
Hiscox UK have over 100 years’ experience in insurance, protecting businesses of all sizes. So we’ve had time to fine tune our claims and customer services, plus create policies which are in-line with the risks our clients face.
Our 4.7/5 star customer service rating and Gold Service award from Feefo reflect this dedication. In March 2018, Hiscox also won the Response to a Major Claim award at the Commercial Insurance Awards, which showcases excellence within the business insurance industry.
Today, we provide commercial cover for over 300,000 businesses like yours in the UK. Find out more About Us, our claims promise, and what we can do for your business.
