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Public Liability Insurance from only £9.33 per month!

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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 public liability 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.


Click here for a quick online public liability insurance quote


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 (only £9.33 per month) for £1 million of PL cover which also includes £250,000 of Directors & Officers Liability cover and £1,000 of portable equipment insurance. This is included as part of our Business Combined insurance policy.

Public liability insurance cover can be extended up to £5 million of cover with the option to add product liability insurance of up to £1million of cover.


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.


Click here for a quick online public liability insurance quote


If you prefer to speak to one of our team. please call 0333 321 1403

Find out about Employers Liability Insurance here.

public liability insurers caunce o'hara



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Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote


Complete your cover

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

  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    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
  • "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."
  • "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."
  • "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."
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "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."
  • "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."
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