What is Public Liability Insurance?

Jargon Buster

What is Public Liability Insurance?

Brief overview of Public Liability
Simply put, it is a type of insurance available to businesses. It protects you when clients visit you at your premises or when you’re working at someone else’s. It’s designed to cover any costs that might result from a member of public claiming to have been injured or had their property damaged due to your negligence. These people could be customers, clients or even delivery drivers and other visitors. It isn’t compulsory to have cover, but it is an excellent idea. It helps with things like:.


One of the circumstances that your public liability insurance covers is if anyone claims to have been injured on your premises or has suffered an injury that they think is your fault. There are lots of ways that this could happen. For example, an employee leaves out some cardboard boxes and a customer trip’s over them. Someone could slip and fall while visiting your workplace. Or some work that you do for them in their home could lead to an injury. If someone claims that their injury is your fault, they might ask you to pay for things such as medical costs or the time when they couldn’t work.

Legal Fees and Compensation

Public liability insurance covers the costs that you face if someone makes a legal claim against you. This includes the cost of your legal defence or legal advice, as well as any money you might have to pay for a settlement. Even if you believe that you haven’t done anything wrong, you might spend a lot of money defending yourself. It’s best to have the protection that public liability offers – don’t leave it to chance.

Damaged Property

You might find that a client makes a claim because they think it’s your fault that something of theirs went missing or perhaps that, when working on their premises, you damaged their property. It only needs to be a small scratch for someone to take objection and potentially blame you.

Protection where you work

Public liability insurance can cover you no matter where you’re working. So, whether someone gets hurt while they’re on your premises or they think that you might have damaged some of their office furniture, your insurance can help you out and help you to cover any potential costs. Whether working in one place, travelling around or working in a client’s offices, you can ensure you’re protected.