Public liability insurance is a type of business insurance that covers claims made by the general public for medical expenses and other costs resulting from injuries, death, and property damage involving your business. It is designed to protect business owners and their assets against losses associated with injury, property loss or damage, and other losses incurred by members of the public and/or third parties while on the business premises. Public liability insurance covers the cost of third-party injuries and damage claims attributed to your business, including incidents at your business and locations related to your work, such as a clients home. It also covers accidents caused by yourself or an employee while visiting a customer’s property. Public liability insurance does not cover injuries or damages that happen to yourself, your business, or your employees.

Public liability insurance is important for businesses that interact with clients, customers, and other members of the public. It is especially important for businesses that regularly deal with the public, whether it’s on-site at your business, a client’s business, or at someone’s home. Public liability insurance is one of the most basic forms of liability coverage and is typically one of the cheapest.

Public liability insurance policies are available with different financial limits, with most insurers offering limits of indemnity up to £1 million, £5 million, and £10 million.