Public Liability Insurance
Join over 500,000 businesses with cover from as little as £7.57 per day*
- Get covered in minutes
- Tailored Public Liability online for your business needs
- UK based support, online, Call 0330 828 0953 or request a callback
Get quotes from trusted brands in minutes
Why choose Public Liability insurance with Towergate
Range of public liability cover limits
£1m - 10m cover limits to suit your business
Legal defence costs covered
Legal cover and any compensation you may pay
Pay by Direct Debit
Spread your payments over 10 months
* 20% of all new business customers buying annual tradesperson liability insurance online paid an average of £7.57 per month over 10 monthly instalments, (including premium, insurance premium tax, admin fee & interest) during the last year ending 01/09/22. For comparison only, prices vary according to your circumstances and the type and level of cover you choose. Full details of terms & conditions are provided with your quotation.
Protecting your business against legal expenses and compensation claims
Trades People
Builders, Plumbers, Heating/Gas engineers, Ground Workers etc.
Offices
Builders, Plumbers, Heating/Gas engineers, Ground Workers etc.
Shops
Builders, Plumbers, Heating/Gas engineers, Ground Workers etc.
Landlords
Builders, Plumbers, Heating/Gas engineers, Ground Workers etc.Public liability insurance can help to pay for a number of legal costs. Areas where a policy will help you include:
Compensation claims - if a person is injured because of your business, or their property is damaged, they may decide to sue. If their claim is upheld, you could be asked to compensate them financially for their suffering. If the accident was caused by your business activities, you'll be accountable regardless of whether it took place on your premises, theirs or at a third-party location.
Legal expenses - this helps cover the cost of any fees you might have to pay during a legal hearing. This includes the cost of getting a lawyer.
Cost of repairs - if something has been damaged as a result of your business (for example, if you're a decorator who spills paint somewhere on a customer's property), public liability insurance covers the fee for repairing the damage.
Medical fees - in the event of injury, reasonable medical expenses for rehabilitation and recovery would be considered.
Public liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Even when you do everything right, accidents can happen. Any business can face compensation claims and related legal fees, whether you're a freelance professional, a sole trader working with tools, or you own a small business. With the right cover, your livelihood is protected.
Products liability insurance is normally included as part of your public liability insurance policy. This gives you an extra layer of protection if a product you supply, distribute or sell is subject to an insurance claim.
Read more with our FAQ guide to public liability insurance
Start Your QuoteWhen you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0344 892 1384 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our quick form or call us
- Select your insurer & price
- Relax - You're covered!
Public liability FAQs
Public liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Even when you do everything right, accidents can happen. Any business can face compensation claims and related legal fees, whether you're a freelance professional, a sole trader working with tools, or you own a small business. With the right cover, your livelihood is protected.
Products liability insurance is normally included as part of your public liability insurance policy. This gives you an extra layer of protection if a product you supply, distribute or sell is subject to an insurance claim.
Read more with our FAQ guide to public liability insurance
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuotePublic liability is a form of business insurance designed to cover compensation or legal costs if members of the public or customers claim they have experienced personal injury or damage to their property as a result of your work.
Whether an incident happens on your premises or when your employees are out and about, public liability insurance helps to shield your business against unforeseen costs.
Start Your QuoteArticles and Guides
A guide to public Liability Insurance
Our simple guide to Public Liability walks you through the main features and common claims for this vital business cover. Guides from Towergate.
READ MOREWho Needs Public Liability Insurance?
From sole traders and associations to high risk organisations, find out if you need public liability insurance. Learn how to measure your business' risk profile and reduce the number (and impact) of potential PL claims.
READ MOREDo I need a public liability insurance certificate?
A public liability insurance certificate which offers a summary of your policy is a great way to show you're covered and put your clients minds at ease.
READ MORE