Public Liability


YOUR business is unique, and your
business insurance should be too.

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What exactly is public liability insurance?

We provide public liability insurance from £69.43* 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 protects you against negligence claims from injured third parties. If you are unsure what public liability insurance covers and are at all unsure as to why you might need it, take a look at our public liability insurance guide. In summary, it will protect you from claims arising over:

  • Third parties suffering from slips, trips and falls
  • Objects falling on to third parties
  • Third parties suffering from stress and anxiety as a result of your business activities

How to buy public liability insurance from YOUR Insurance


Online: Click on the Get a Quote button and answer the questions about you and your business to compare available quotes from our panel of insurers.

Get a Quote Online

Over the phone: Call us on 0800 107 8949 and our in-house team will get the best deal they can for you.

Great discounts for low premiums
We want to provide you with the lowest premiums we can and by using winning discounts for over 750 trades and professions, we will work on matching renewal quotes if you are new to YOUR Insurance, are claim free for three years and so long as we can offer the cover on a like-for-like basis.

We are part of Towergate Underwriting Group Limited, one the largest independently owned insurance intermediaries in Europe and as a result we have access to a wide panel of products and providers. Speak to our team on 0800 107 8949 today to find out more and see if you qualify.

Issues with getting covered?

If you are struggling to find public liability cover or feel that it does not cover enough of your business, you might have better luck with our trade specific policies linked from the homepage. Alternatively, our in-house team might be able to source a policy for you outside of our insurer panel.

Who needs it?

Practically any type of business or trade can take advantage of public liability insurance. It will offer you cover if you can say any of the following about your business:

  • If you have visitors to your premises
  • If you interact with members of the public
  • If you visit the property of third parties


* Price includes £20 administration fee and IPT at 12%. The offer is for new customers only, based on £1 million public liability, sole trader plasterer trading for 10 years or over, internal works only and no claims. Price does not include tools cover. Excess is £250. Covers subject to underwriter acceptance; exclude Northern Ireland. Price is correct as of 19 August 2020.