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Public Liability Insurance Policies

Public liability insurance can help protect a business against claims for injury to third parties or damage to their property arising from business activities, subject to the policy terms, conditions, limits and exclusions. It can be an important part of a business risk management approach.

We connect business owners with insurance brokers who can help them explore public liability insurance options.

What Cover Should You Check?

Potential risks include a customer being injured at your premises or damage to someone else’s property while you are working at their site. Check which business activities and locations the policy covers, and how it treats compensation and legal defence costs for covered claims.

When considering public liability insurance, look beyond the amount of cover. Check the treatment of customers’ goods in your physical or legal control, including exclusions and any available extensions or sublimits. If you sell or manufacture goods, ask whether products liability is included and what restrictions apply; do not assume all these risks are covered.

Public liability is different from professional indemnity insurance and workers compensation. Check exclusions relating to professional advice or services and employee injuries. If you need professional indemnity insurance, you can make a professional indemnity insurance enquiry.

Compare Limits, Costs and Policy Terms

Public liability insurance policies can vary considerably in premium rates, terms and conditions, and available options.

Compare the premium, excess, cover limits, exclusions and any fees on a like-for-like basis. Ask how legal defence costs affect the cover limit. Your business activities, turnover, claims history and chosen cover can affect the cost. Check any insurance requirements in your contracts, leases or event arrangements rather than relying on price alone.

Preparing for a Claim

Read the policy wording and schedule for incident-reporting requirements. Keep relevant photographs, witness details and correspondence, and contact the insurer or broker promptly after an incident that may lead to a claim. Check the policy’s requirements before admitting liability or agreeing to a settlement.

Explore Public Liability Insurance Quotes

Enquire online to discuss your business activities, cover needs and available quote options with an insurance broker.

Request a public liability insurance quote through a broker

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Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.

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