Public liability insurance made easy
public liability insurance for a range of trades,
professions and small businesses. If you are self-employed and work
from home, a sole trader visiting clients, or if you run an
establishment, we can help you with your small business insurance
Tailor your own business liability policy.
Compare public liability prices online. We cover up to 400
Insurance for residential or commercial properties. Get covered
Let us compare liability packages from our panel of
Compare cover online or speak to us over the phone.
Buildings & contents cover from our panel of leading
What can YOUR Insurance do for your business?
We want to give you the chance to tailor your own business
insurance so you are only paying for the cover you need. Our small
business insurance packages can also include product
liability insurance and employers'
liability. We will always work to get you the
cheapest deal we can as long as your insurance
needs are covered.
If you are a tradesperson looking for a straight forward public
liability policy then great - just choose your policy via our
comparison site. If you need to add on additional cover, such as
employers' liability or tools
cover you can do this online as well.
We also provide policies for hotel, restaurant, pub and guest
house owners. You can get quotes online and compare prices from our
panel of providers or if you are unsure about buying online, just
speak to one of our specialist business advisors on 0800
107 8949. YOUR Insurance are an established
broker, so you can sit back and let us to source you the
right policy for your business.
Buying from YOUR Insurance
- Visit the appropriate policy page on our site
and click on the “compare quotes” button. Use our
comparison site to compare quotes online from multiple
- If you have any questions about your
insurance needs or are struggling to get a quote
online speak to us on 0800 107 8949. Make
sure you use the opportunity to ask us questions about your
insurance so you understand what you are paying for. For example,
what are the policy limitations and exclusions and do they meet
your business needs?
- After paying for your insurance (choose to
pay in one go or by monthly instalments) we will
email your policy documents so you have them
stored electronically. If you have any further questions
about your policy or are unsure about what to do in the event of a
claim, speak to our customer services team on
0800 015 7702.
We also offer the following liability insurance policies:
Public liability insurance explained
Public Liability Insurance exists to protect every one of us. If
someone visiting your business is injured, or their property is
damaged, they may make a claim against you. You can also do the
same if you are involved in an accident whilst visiting a public
place or other business premises. It covers your business against
claims made by any third party except your employees (your business
needs Employers’ Liability Insurance to protect against that).
Who needs public liability insurance?
If you deal with third parties as part of your usual business
activities, it is important to consider the benefits of public
liability insurance. If you have visitors to your business premises
or if you or your employees go to customer premises to carry out
your work activities, it will provide valuable protection against
the cost of an accident.
Although not a compulsory policy, it is strongly recommended for
all businesses that have customers or other members of the public
visit them, or if you visit the property of third parties. Even if
you work from home, this insurance can be useful if you provide
services or goods to businesses or the general public.
What does public liability insurance protect against?
With this policy you could be covered against injury or damage
claims made against your business, whether they occurred at your
premises, or anywhere else you were carrying out your business.
Most policies will cover legal fees or other expenses incurred, as
well as hospital treatment you may be found liable for.
Public liability insurance could provide financial protection
against a broad spectrum of potential claims.
- If a visitor to your business premises is injured on site
- If one of your employees injures a third party whilst working
- If damage is caused to property as a result of your business
Is public liability insurance compulsory?
No, however it is worth considering that over £1bn is paid out
in public liability claims every year, providing valuable financial
support to businesses. Claims can cost thousands and some clients
may demand a minimum level of cover before they can consider hiring
you to work with a particular business – even if you usually work
from home. For advice on the amount of cover appropriate for your
business, speak to an insurance professional.
- Third party property damage
- Personal injury
- Legal or medical fees may also be covered