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Public Liability Insurance

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Public Liability insurance (PL insurance) covers you for the cost of a public liability claim from a third party, such as a member of the public (not an employee), that has suffered injury (or death) or property damage caused by you or your employees in the course of your business activities.

In our increasingly litigious society, public liability insurance has become a vital insurance protection for freelancers, small businesses, and larger organisations (including charities) who have contact with clients and the general public.

It can cover legal costs for defending claims and pay compensation awarded to a claimant if your business is found to be at fault, providing you with peace of mind that your business will be covered.


What events can lead to PL insurance claims?

There are many events that can give rise to a public liability insurance claim. The most common is when a visitor trips or slips on your premises and claims the accident was due to your negligence.

If they can prove their case, and their injury has caused them loss of earnings through enforced time away from work or worse caused them a permanent disability, then the claim could potentially amount to tens of thousands of pounds.

PL claims can also arise if you damage a third party’s equipment when visiting their premises . This could be from the item being dropped or liquid being spilled on an electronic device causing it to malfunction.

These examples can appear trivial, but even a trip on your premises can lead to a claim for a soft tissue injury, which could cost you thousands of pounds plus legal fees, unless you have PL Insurance.


What does Public Liability insurance cover?

  • Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
  • Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
  • Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
  • Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

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How much does Public Liability insurance cost?

Public liability insurance is one of the least expensive business insurance policies you can buy, but certainly one of the most valuable insurance investments a business owner can make.

At Caunce O’Hara, we offer public liability insurance, from as little as £112.00 for £1 million of PL cover which also includes £250,000 of Directors & Officers Liability cover and £1,000 of portable equipment insurance, as part of our Business Combined insurance policy. PL cover can be extended up to £5 million of coverage.


How can I protect my business against a Public Liability claim?

The first answer is to ensure you have public liability insurance, to mitigate the risk. However, as with all potential issues, prevention is far better than cure… and usually costs less.

No matter what size your business is, it is a good idea to have a risk management plan in place. Many risks a business faces are not immediately visible to the untrained eye.

A risk management plan will help identify potential risks and provide opportunities for those risks to be reduced, or even eradicated, to prevent accidents and potential insurance claims.


For a personalised public liability insurance quote please call 0333 321 1403 or click to build your own quote online in minutes!

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Find out about Employers Liability Insurance here.

public liability insurers caunce o'hara



People also ask…

What is the difference between Professional Indemnity Insurance and Public Liability insurance?

What are the differences between Public Liability Insurance and Employer’s Liability Insurance?

Make sure your business is completely protected. We can also cover you for:

  • Professional Indemnity Insurance

    Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
    Click here for a quick quote

  • Employers Liability Insurance

    Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work.
    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
    • Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.

    Click here for a quick quote

  • Personal Accident, Sickness & Travel Insurance

    24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
    Click here for a quick quote


  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
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