What is public liability insurance?
Tailored insurance cover for when a customer or member of the public suffers a loss or injury because of your business
Public liability insurance covers your business in situations whereby a customer or member of the public has suffered property damage or personal injury because of your business. When potential customers enter your property a number of regulations and legislation’s apply. If damage or an accident were to occur while on your premises or while providing your service, a third party could potentially make a claim against your business.
These costs can of course be devastating for most businesses, meaning Public Liability cover can help protect and ensure your business remains open should a bad situation occur. If a customer were to fall and injure themselves on your premises, could your business readily afford to pay out for such a claim? Most businesses would struggle in such circumstances which is why having adequate public liability insurance with the right level of cover should therefore be at the top of your priority list as a business owner or manager. We are also able to provide cover if you Work Away, meaning you visit your client’s homes or business premises.
What public liability insurance will cover
As an FCA approved insurance broker our Public liability policies would typically provide cover for:
• Compensation claims leading from an incident whereby a third party has suffered injury or property damage, at your business premises or a customer’s premises.
• Repairing damage caused as a consequence of your work. But not damage to the piece of work you were working on.
• Medical expenses.
• Legal expenses such as Court and Solicitor’s costs.
• Other expenses due to the incident that are deemed as reasonable.
• It won’t however cover you for deliberate acts that cause damage.
Policy covers are available from, £1m, £2m, £5m and £10m, with higher amounts also available upon request. If your business regularly interacts with customers, especially in a physical sense, for example not online, then having PL cover in place should be essential.
Compare quotes for public liability cover
As a broker we provide cover to thousands of different trade types, and because we’re an independent broker we can search the market and compare quotes from a wide range of UK insurers.
Hassle free public liability cover
You may find the process of obtaining quotes from numerous providers to be a lengthy and troublesome process, but it doesn’t have to be. We can often provide you with your business insurance and documents on a same day basis and we offer a great range of flexible payment options. So compare online or speak to one of our team members today for a quote.
Add on covers available
We aim to make buying insurance quick and easy, with a focus on understanding your business in order for us to tailor the cover to your individual needs and requirements. When considering the types and levels of cover your business needs, an Insurance Octopus insurance specialists will discuss your business requirements with you and consider additional add on covers that could help protect your business.
Why choose us for Public Liability Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability insurance for your business. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.