Features and Benefits

  • Compare quotes from our panel
    Receive competitive quotes from a panel of insurers, saving you time and hassle.
  • Easy to buy
    Get quotes online in minutes or speak to experienced advisers for advice on the best cover for your business needs.
  • Tailor your cover to fit your needs
    Combine your Public Liability insurance with damage and theft cover for tools.
  • Variable cover limits
    Choose from Public Liability insurance limits of £1m, £2m or £5m to get the right levels of cover for your business.
  • Optional Employers’ Liability
    Optional £10m of employers’ liability insurance to protect against compensation for injury to staff.
  • Protect your business
    Get cover for legal costs and solicitors' fees to defend allegations made against you relating to an insured business incident.

Keep in Mind

  • To offer this insurance service, we work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers. Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
  • Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
  • Employers’ liability insurance is a legal requirement for almost every business that employs staff, including contractors, casual workers and volunteers. The legal minimum for cover is £5m.
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Need advice?

Call 0345 019 6037Call telephone number 0345 019 6037 to get advice from experienced advisers on the insurance you need. The general line is available from 9am to 5pm Monday to Friday. You’ll have the option to buy your policy over the phone, and request instant cover.

Alternatively, compare quotes online from a panel of insurers.

About Public Liability insurance?

What is public liability insurance?

When accidents happen, your business could be responsible for paying compensation under many circumstances. Public liability Insurance can cover the cost of pay-outs and legal fees if your business is sued by a third party (third parties include members of the public, customers or clients, but not your staff).

Public liability Insurance can cover an accident in your work area or relating to your business activities. This includes incidents on your premises as well as those that occur while doing business offsite.

Who needs Public Liability Insurance?

You may need Public Liability insurance if your business has direct contact with customers or the public. Although Public Liability insurance is not a legal requirement for all professions, many clients will insist that you’re covered for Public Liability before allowing you to begin work.

Examples of Public Liability Insurance claims

  • Property damage resulting from your work. An electrician drills through a water pipe, or a roofing company fails to leave the roof water tight, damaging a customer’s property.
  • Someone tripping, slipping or otherwise injuring him/herself in your work area. This can be a customer, member of the public, client or a contractor, but excludes your own employees.
  • Dropping something while working or if something falls without anyone touching it, such as a stack of heavy boxes, injuring or damaging a customer or his/her property.
  • Someone from your business accidentally spilling a drink over a client’s computer.

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

What are the policy details?

Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.

A few quick details are needed through our online quote or over the phone to find policies suitable for you. Once policies are selected, you’ll get the policy details to review. You won’t have to make any decisions about whether to proceed until after you see the policy detail.

What is Employers’ Liability Insurance?

Employers’ liability insurance can cover the cost of pay-outs if your business is sued by an employee for injury or illness caused by employers’ negligence. These typically include damage pay-outs, medical costs and loss of income. In case of death, policies cover claims made by the family of the deceased.

Employers’ liability insurance also covers the cost of legal representation to defend allegations made against your business.

Employers’ liability insurance is a legal requirement for almost every business that employs staff, including contractors, casual workers and volunteers. The legal minimum for cover is £5m, although the market standard is to provide £10m.

  • An employee injures himself whilst operating machinery due to the employers’ negligence (such as improper machine maintenance, inadequate protective equipment or insufficient training).
  • An employee becomes ill as a result of working at your business, for example through contact with toxins. This can be an employee who no longer works for you, but his illness can be traced back to your business. Even if you no longer have employers’ liability insurance, as long as you had a policy while that employee was working for you, your business will be covered.
  • An employee trips on frayed carpet while carrying a hot cup of coffee, and gets burned.
  • An apprentice forgets to earth a cord, and accidentally electrocutes himself. Even though it may seem like the apprentice’s fault, the business will be responsible if he has not been given adequate health and safety training for the specific task that caused the injury.

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

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Need Advice?

If you’re not sure what you need, call to speak to experienced Public Liability insurance advisers.

0345 019 6037Call telephone number 0345 019 6037

Call telephone number 0345 377 0002

Lines available from 9am to 5pm Monday to Friday

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