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Public liability insurance

When to do a public liability insurance comparison

This type of business insurance will shield you against legal costs and compensation claims from a third party or member of the public who has sustained an injury, or whose property has been damaged. It is valid for activities taking place onsite and offsite. If you or your business are deemed to be at fault within the claim, it will cover your legal costs as you defend against the claim and also pay any compensation due to another party.

Carrying out a public liability insurance comparison is the best way to keep costs down.

What types of occupations need to compare public liability insurance?

It will always be in your best interest to hold public liability insurance if you work in person with clients, customers, or members of the public. If you work at a client’s site, e.g., as a tradesperson, it will be necessary. Equally, if you work in public, for instance at events or markets, you should consider this type of insurance. Similarly, if people visit your place of work, you will want to cover yourself against any potential claims. In all of these cases, you should carry out a public liability insurance comparison.

As a tradesperson, you would be covered for accidents such as someone injuring themselves by tripping or falling over your equipment, or if a piece of material you are working with fell onto a member of the public. If you are working in someone’s home, you would be covered for any breakages or accidents.


Office based professionals need coverage whether working from their own premises, at a client’s office, or meeting clients and employees in public spaces. You would be covered for any damage to equipment or damage to a client’s property. It will also cover accidents and injuries, such as trips or falls during the course of your work, or any of your equipment causing injury to a member of the public.

If you are working in the retail or hospitality industry, you will need cover in case a customer, guest, or member of the public injures themselves by slipping or falling on your premises or at an event. You might also need cover if one of your employees damages any property or fittings whilst at an event. In catering especially, accidents happen frequently, and property and customers may be injured or have their property damaged in the event of dropping or spilling heated food or liquids.

Do I need to compare public liability insurance?

Carrying out a public liability insurance comparison will always ensure that you get the best price. Even if your work doesn’t fall into one of the categories detailed above, there are plenty of reasons to purchase this type of insurance, aside from merely giving you peace of mind.

Although it is not yet a legal requirement, most business owners regard public liability insurance as essential.

You may find that you are unable to carry out business without it in some occupations. Your clients may insist that you have insurance in place before commencing work with them. In some situations, such as an event or trade fair, you will need to provide proof of cover before you are allowed to continue trading or even to set up your stall. This is especially true in the public sector, and many trade associations also require their members to hold insurance.

You should also consider that if you are uninsured and someone is hurt, whether a client or a member of the public, the NHS may take legal actions against you to recover the costs of the treatment needed.


As a freelance, you will need to compare public liability insurance and consider all of the situations in which you or your clients could experience loss or injury, including loss of income. Even working at home carries risks, you should consider any and all of the accidents that could happen if someone visits you at your home during the course of your work.

Overall, whether or not you need to do a public liability insurance comparison depends on factors such as the type of business, the number of employees, and where they are located. The critical factor is contact with clients, customers, and members of the public.

What does public liability insurance cover?

Compensation claims: If someone is injured, or their property is damaged, due to your business. If their claim is successful, you might need to give them financial compensation. You will be held accountable for the injury or damage incurred wherever it took place, if it was deemed to have been caused by activity relating to your business.

  • Legal expenses: You will be covered for any costs related to legal representation or any costs that a hearing decides that you are liable for.
  • Repair costs: If an item has been damaged in relation to your business activities, public liability insurance will cover the cost of putting things right.
  • Medical costs: if someone is injured as a result of your business activity, reasonable expenses related to recovery and rehabilitation may be offered.
How much should public liability insurance cost?

Your public liability insurance comparison costs will depend on a few variables, including:

  • Your profession
  • The number of employees working for your business
  • Your business’s health and safety track record
  • Any previous claims you have made
  • The size of the business
  • The location of your business
Providing proof of public liability insurance

Once you have carried out a public liability insurance comparison and purchased a policy, you will sometimes be asked to provide proof. Most providers will be able to provide a proof of cover and policy document for instant download. If you are asked for a schedule of insurance, this should also be available for download once you have your policy in place.

What isn’t covered by public liability insurance?

This insurance is for accidents or damage to property, members of the public, or clients, as a direct result of your business activities. Therefore, it does not cover:

  • Your own accidents or injuries
  • Damage to your property
  • Employee injuries or losses

Any accidents or losses related to employees are covered by employers’ liability insurance, which is purchased separately.

Frequently Asked Questions

Protect yourself and your business with Bright Compare. We deliver independent, public liability insurance comparisons within seconds. Our smart technology is available 24/7. We deliver real-time tailored comparisons for your business. Protect your business with the best liability cover, today.

This depends upon the nature of your business. If you deal with the public or third parties, there may be an exposure to substantial liability claims. Use the smart technology at Bright Compare and review competitive public liability insurance solutions. Protect your business today.

Yes. Compare monthly paid public liability insurance plans with Bright Compare. Our smart technology delivers the data you need to decide between monthly and annual insurance payments. Receive independent, free quotes, 24/7. Learn about monthly payments, decide what’s best for you with Bright Compare.

Compare the best personal liability insurance deals and save on premiums with Bright Compare. Our smart technology does the hard work for you. Receive independent, free quotes 24/7 from our secure website. Compare deals today and get smart about personal liability insurance.

Public liability insurance is not legally required, but many clients require it before working with you. Our smart technology does all the hard work for you. Receive independent, quotes within seconds, 24/7. Discover competitive insurance solutions and protect your business with Bright Compare.