Public Liability Insurance

What is Public Liability Insurance?

Whether you are a new business or an existing one you need to consider very carefully obtaining the correct covers for your activities. Public Liability Insurance, although not a legal requirement, is extremely important as a claim against your business without appropriate cover could potentially close the company or bankrupt the individual sole trader.

Your public liability insurance policy will cover your legal liability to pay damages in the event of a third party (member of the public) sustaining bodily injury, death or damage to their property or person as a result of you business activities.

The public liability policy is designed to cover the legal cost to defend an allegation against your business and should you then be found neglectful, any damages awarded up to the level of indemnity you purchase.

Public liability insurance policies will, in most cases, also include products liability insurance which is designed to cover the products either sold or manufactured by a company. Any product sold or even given away must be fit for purpose and you will be legally responsible for any damages or injury that a product you supply, if it goes wrong.

You may also wish to consider professional indemnity insurance and employers liability insurance

Compare public liability insurance policies now

The PIA online Quote and Buy system has been specifically developed to cater for the business insurance needs of small and medium sized companies. With a number of leading insurers, including Aviva, Hiscox, HCC, Catlin, Brit and W. R. Berkley, you can be sure that using our online system you will be able to find the cover best suited for your business.

PIA compares the market on your behalf to provide you with the best small business insurance quotes from the UK's leading commercial insurance companies.

If you have any questions, please call us on +44 (0) 1323 648000