What is Public Liability Insurance?


Public Liability is a business insurance policy that provides companies of all sectors and sizes cover against injury or damage claims.

This policy will protect your business if a customer or member of the public has an accident at your work premises. If they should suffer injury or damage to their property whilst on your premises, you might well find yourself faced with a claim against you.

This cover also protects the self-employed. If you work from your home, this constitutes your workplace in the same way as an external office would.

Public Liability insurance also covers reverse situations, when you are working at the premises or sites of your customers. If your lack of due diligence causes injury to any of their personnel or customers, or damage to their property, they are likewise entitled to bring a claim against you.