Liability insurance

Public liability insurance

If members of the public or customers come to your premises or you go to theirs, you should think about taking out public liability insurance.

What the insurance covers

This type of insurance covers any awards of damages given to a member of the public because of an injury or damage to their property caused by you or your business. It also covers any related legal fees, costs and expenses.

Premiums depend on the type of business you run, your turnover and the number of employees you have.

Talk to a professional

There are many conditions, exclusions and warranties that can be applied to public liability policies. It is therefore important that you discuss with your insurance adviser any that are applicable to your policy. Find a list of insurers at the Association of British Insurers website.

If you work from home, and customers or members of the public visit you there, you may also want to think about taking out public liability insurance.

Businesses which must take out the insurance

Some businesses, eg horse riding establishments, are required to have public liability cover. You will also find that many of your customers or potential customers require proof of adequate insurance before they will allow you to work for them.

Subjects covered in this guide

• Introduction
• How liability insurance works
• Employers' liability insurance
• Public liability insurance
• Product liability insurance
• Pollution risk insurance
• Property owners' liability insurance
• Professional indemnity insurance
• Directors' and officers' liability
• Seek specialist advice

 

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