We can provide public liability insurance to protect you and your business should you be found responsible for injury to a member of the public or damage to their property.
Public liability insurance is designed to protect you and your business in the event it is found responsible for injury to or property damage of a member of the public. It's an important type of insurance to consider for businesses of all sizes, across a variety of industries.
Small business public liability insurance can help cover legal and compensation costs should your business be held responsible for injury or property damage. Public liability claims can arise as a result of several circumstances, but negligence is often the main trigger. This can be anything from a customer tripping on an uneven surface to slipping on a wet floor. In our experience, in a society where accident claims are becoming more commonplace, having a robust public liability insurance policy in place is a must to consider.
Whilst buying public liability insurance isn't a legal requirement, it should be considered, especially if your business interacts with the general public. In this respect, the general public are not only customers, but suppliers, and even passers-by.
This means public liability insurance is bought by a variety of businesses including tradesmen, hairdressers, shop owners, café owners and beauty therapists. Since many businesses come into contact with the public at some point, it's an important consideration for all businesses to get public liability insurance.
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When you choose us, you're not only choosing a firm that has years of experience working relentlessly to offer our clients with insurance solutions, you're choosing people who genuinely care about the businesses we help to insure.
We can offer a range of public liability insurance policies regardless of your company's size – including start-ups and sole traders.
*Correct as at August 2025
Public liability insurance can cover injury and compensation claims when you are found to be liable. If a third party takes legal action against you due to an injury or damaged property, it can help mitigate the cost.
Your public liability policy can be extended to include the following cover:
Protection against claims brought against you by your employee for injury during work
Cover for your own tools, plant and equipment
For scenarios such as employment, contract and tax disputes
Cover for compensation for you and your employees, should you be unable to work following injury
When deciding how much public liability cover to take out, consider the possible extent of compensation claims and how much it could cost to repair any damage.
The amount of cover you decide on can depend on factors such as:
You may find some advice from the governing bodies in your particular field about how much public liability insurance cover you need, and your Gallagher insurance adviser can also help you work out what level you might require.
