Business Public Liability
liabilityPublic liability insurance protects your business against claims from members of the public for injury or property damage caused by your business activities.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£80 – £800per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Third-party bodily injury claims
- ✓Third-party property damage claims
- ✓Legal defence costs
- ✓Claimant's legal costs if court awards against you
- ✓Products liability (optional or included)
Key Exclusions
- ✕Employee injury (covered by Employer's Liability)
- ✕Professional errors (covered by Professional Indemnity)
- ✕Deliberate acts
- ✕Contractual liability beyond the insured sums
How to Make a Claim
- 1
Notify insurer immediately — do not admit liability
- 2
Gather incident details: date, location, witness statements
- 3
Insurer appoints solicitor for disputed claims
- 4
Settlement or court defence managed by insurer
Available In
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Get a Free QuoteFrequently Asked Questions
Do I need public liability insurance as a sole trader?
Public liability insurance is not legally required for sole traders in the UK, but many clients and venues require proof of cover before allowing you to work on-site. Cover from £80/year is inexpensive relative to the risk.