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What is Public Liability Insurance?

Public Liability Insurance, known as PL, is one of the main insurances required by business. The policy provides cover for legal representation and compensation arising from claims made against your company in respect of bodily injury, including death, or damage to property suffered by third parties.

The policy covers claims occurring on the business premises and when working off site, and covers the costly legal fees of professionals to defend the matter in court, as well as compensation costs should they be awarded against you.

Whilst it isn’t a legal requirement to hold PL, many clients insist that you hold it before commencing work for them, as the client doesn’t want to have to pay for a claim through you not having the required insurances in place – making it very hard, if not almost impossible to work without it.

PUBLIC LIABILITY INSURANCE POLICY FEATURES

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Defence costs

Cover for the legal costs and expenses incurred by professionals in relation to the investigation and defence of a claim, including any appeals. Compensation is covered separately, giving you double the coverage.

 

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Compensation

Cover for damages and awards which your business is legally liable to pay as compensation arising from any accidental bodily injury and/or property damage to a third party that occurs on your property, theirs or anywhere else.

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Employers liability as an optional add-on

Extend cover to ensure that damages and awards which your business is legally liable to pay as compensation arising from any accidental bodily injury and/or property damage to employees, as well as third parties, is covered.

 

Public Liability Insurance

Common PL Questions

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Why do I need PL?

PL is not a legal requirement, but almost every business in the UK recognises it as being an essential insurance, and you might find it impossible to trade without it. Slips and trips are commonplace, even if you work at home.

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Who needs PL?

– Construction professions
– Contractors
– Shops & retails premises
– Anyone who interacts with the public

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But we've never had an accident!

We all take care when working, but sometimes accidents happen – that’s a face of life. Trading without PL could mean you get pursued by the NHS to cover the cost of medical treatment received by the individual who was hurt.