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

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Call us to talk through the needs of your business

0344 346 0409
0344 346 0409

Mon - Thu 8:30am - 7.00pm, Fri - 8:30am - 5.30pm, Sat 9:00am - 1:00pm
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Public Liability insurance from £62.92*

*New Business quote based on a bricklayer with 1 million public liability cover, trading for 5 years or over, no employees. Quote correct as of 1 June 2017.

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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 public liability cover. 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 you feel like you need more cover, you can opt for our maximum level of £10 million. 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’re the type of person who can wire a plug socket with one hand and paint a skirting board with the other, you can add multiple business activities or services you offer on to your policy. As long as you’re doing it under the same business name, you can tailor your policy to cover you for any work you do for your customers, but 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 to your cover.

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 specialise in business insurance of all kinds and can tailor you a policy which includes the right levels of all types of liability and business insurance protection.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Public Liability Insurance Claims

With Towergate you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.

Need to make a claim?

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

0344 892 1384

Simply contact your public liability claims team using the details within your policy documents, we will put you through to the right team. They will talk with you about your claim, guiding you through your next steps and taking you through the process. Furthermore, if you feel you need additional support or if you have concerns about the progression of your claim, our in house team are here to help.

Public Liability Insurance Articles & Guides

We've selected the following content for you:


What is Public Liability Insurance?

As part of our liability insurance video series this video looks at what public liability insurance is. Watch to learn how it protects the public and keeps your business safe....

View video
public liability guide thumb

insurance guide

A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

Business Risk Management


Risk Management Guide

How well do you know the threats to your business and what you can do about them? Learn the ropes of effective risk management with our handy guide.

Public Liability Insurance FAQs

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 letter 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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