Compare public liability insurance quotes from the following insurers:

Public liability insurance from £69.54*

We provide 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 needs.

Public liability insurance from £69.54: based on a sole trader plasterer with £2,000,000 public liability cover, trading for 10 years or over.  Quote does not include tools cover.

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 insurers.
  • 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 for you
  • If damage is caused to property as a result of your business activities

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.

What’s covered?

  • Third party property damage
  • Personal injury
  • Legal or medical fees may also be covered

Liability Insurance explained

Don't get confused about your business insurance cover. Read our business insurance guides to make sure you have the right cover for your business.

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