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Public Liability Insurance

Public liability insurance, protecting you and your business should a member of the public sue after an injury due to your negligence.

  • Public liability cover for a huge range of professions from tradesmen to dog walkers
  • Choose from £1m, £2m, £5m or £10m cover limits to suit your business needs
  • Option to add more than one trade/profession to your policy

Get a public liability insurance quote online and buy today

Get a quote

Call us to talk through the needs of your business

0344 892 1664
0344 892 1664

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Read on to find out why business owners choose our public liability insurance:

What is public liability insurance?

It’s fair to say that if you interact with the public on a daily basis or your business activities are performed in a public area, you’ll need this cover - but what is public liability insurance? This means different things for different businesses. It could mean protecting your business against a potential claim from a client, a customer or another member of the public in the wrong place at the wrong time. We provide cover for a range of business types including: tradesmen, shops, mobile businesses, health and beauty professionals, those who work with animals, delivery and removals - and many more. Unfortunately, even we have our limits and there are some businesses we can’t cover. Tell us all about your business and we’ll do our best to find you suitable cover.

Do I need public liability insurance?

Each business is different but for many, public liability insurance is essential. For smaller businesses who work on smaller projects or with less interaction with the public, we can offer lower, more suitable levels of cover for a lower premium. However, if your circumstances merit higher limits, then ask us. Typically our clients request cover from between £1m and £10m for any one event, but higher limits are available if required. If you’re unsure how much cover you need, tell one of our knowledgeable advisers about your business and they’ll be able to help you get the right cover.

Add trades to your policy

If you offer a range of trade skills, you can add your multiple business activities or services to a single policy. If your different trades are under the same business name, you can tailor your policy to cover you for any work you do for your customers. However if you think one of your services may not be included on your policy, give us a call and we’ll see if we can add it.

Optional liability cover

Public liability insurance is not generally brought in isolation. This is because most businesses require some other cover including employers' liability, product liability or contents cover. We offer a range of business insurance covers so can tailor your policy to suit your business' requirements.

Public Liability Insurance Claims

If and when you need to make a claim, we'll send the details to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated.

Need to make a claim?

Give us a call and we’ll help settle your claim

0344 892 1384

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Public Liability Insurance FAQs

How much public liability cover do I need?

Towergate can offer public liability insurance policies with cover from £1 million up to £10 million or higher. The amount you need will depend on several aspects:

  • Your business activities
  • The type of locations and environments you are working in
  • The processes involved, particularly if these are of a high risk nature involving any application of heat-work

When you are contracting with companies, please check with them to find out if there is a minimum amount of public liability insurance required.

How much does public liability insurance cost?

The cost of your public liability insurance will depend on what your business is and therefore how much cover you require.

This will determine the level of risk for the insurer.

Is public liability insurance a legal requirement in the UK?

Public liability insurance is a legal requirement in the UK if you employ staff.

Is public liability insurance tax deductible?

Public liability insurance is tax deductible when calculating taxable profit, as an 'allowable expense'.

What's the difference between public liability and employers' liability?

While public liability insurance provides cover against claims from members of the public, employers' liability insurance protects against claims from employees. Businesses will typically have bother covers.

I have heard that someone wants to make a claim against me what do I do now?

As soon as you become aware of a claim or potential claim being made against you for injury or damage:

  • Notify us so that we may alert your insurers
  • Do not ignore or dispose of any letters from any representative of or anyone making a claim against you. The claim is unlikely to go away and the situation will only get worse if not attended to promptly
  • Pass all correspondence on to us unanswered

One of my employees had just had an accident at work, what should I do?

We recommend that you:

  • Report all accidents to your insurers
  • Meet your legal obligation to record accidents in your accident book
  • Do not accept responsibility or agree to pay compensation even if you think it is obvious that it is your fault
  • Allow your insurers to investigate and advise you of the best course of action to be taken

If you accept liability before referral to your insurers then you could prejudice your and your insurers' ability to deal with any claim made against you.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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