Running a small business comes with its unique challenges, from managing day-to-day operations to ensuring the safety of your customers and employees. Gallagher understands these complexities and offers tailored public liability insurance for small businesses in the UK. Whether you're a restaurant owner worried about injuries to customers, or concerned about property damage, our solutions are designed to help protect you against claims that could disrupt your business.
With decades of experience, we don’t just provide cover—we partner with you to understand your needs and deliver bespoke policies.
Public liability protection for businesses of all sizes
Effective risk mitigation starts with securing appropriate protection, and public liability insurance is one of the key components for small businesses—whether you’re a sole trader, shop owner, builder, or café operator. At Gallagher, our team of specialists works closely with you to understand your unique needs and guide you in selecting tailored coverage that fits your business. We’re here to help cover legal and compensation costs if your business is found responsible for injury or property damage.
While not a legal requirement, public liability insurance is an important consideration for businesses interacting with customers, suppliers, or even passers-by. Using a client-focused approach, Gallagher delivers policies designed to safeguard your business, allowing you to focus on what you do best.
Our offerings of public liability insurance for small business includes:
- Injury to third parties: Cover for legal and compensation costs if a member of the public is injured due to your business activities (e.g., a customer slipping on a wet floor)
- Damage to third-party property: Provides coverage for accidental damage caused to someone else’s property during the course of your work (e.g., damaging a client’s furniture while delivering services)
- Legal defence costs: Cover for legal expenses incurred in defending your business against claims of injury or property damage
- Compensation payments: Includes the cost of compensation awarded to the claimant if your business is found liable
- Temporary staff and volunteers: Extends coverage to incidents involving temporary workers or volunteers working for your business
- Product liability: Optional coverage for claims arising from injury or damage caused by products your business supplies
Our team of specialists will work with you to tailor these offerings to your specific business needs.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Find out more about small business public liability cover from Gallagher
If you'd like a tailored public liability insurance quote, or you'd like to find out more about how we can help you and discuss your options, simply connect with us by completing the enquiry form or call us on 0800 138 7584.
Why choose Gallagher
Gallagher understands the diverse needs of small businesses, from freelance consultants and boutique retailers to local tradespeople and independent restaurants. We collaborate with you to develop tailored public liability insurance policies that address the specific risks your business faces.
We aim to simplify the insurance process, offering customisable and efficient solutions that provide robust protection for your business. As risks evolve, Gallagher remains committed to adapting our offerings to ensure your coverage stays relevant and effective. Get in touch with our specialists to discuss your requirements or request a quote to safeguard your business with confidence.