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Liability insurance

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Public liability insurance

Public liability insurance provides a safety net to protect your business in the event of an unforeseen incident. You’ll be covered if a customer or member of the public suffers a loss, property damage or injury because of your business’s day-to-day activities.

Public liability insurance, is often provided with product liability cover, and ensures if needed you can pay compensation for unintended and unexpected personal injury and property damage arising from your products or services.  


With public liability insurance, you can operate your business knowing that should the worst happen, customers’ property could be repaired, their possessions replaced, and any medical costs paid for.

Who needs public liability cover?

Could you afford to meet the cost of a compensation claim if your business was sued and you didn’t have cover? Do potential clients expect you to hold public liability insurance? Could you lose clients if you’re not insured?

If your business comes into contact with members of the public, if you have visitors to your premises or work on client sites, public liability insurance is a very good idea.

In the trades industry it is often mandatory to have public liability insurance in place before entering worksites. Depending on the nature of your business, you may need more than the minimum level of cover, so it’s sensible to check your policy every new job or contract. 

If there is any chance that your business has the potential to cause loss, injury or damage to other persons or property, you should talk to us about the right liability cover for you.

What public liability insurance covers

Public liability insurance, or “general liability insurance” as it is sometimes called, can cover everything from minor workplace incidents to expensive accidents that could cripple your business. 

Typically, public liability covers:

  • compensation payments for third party injury or even death
  • repair or replacement costs, for damaged property or possessions
  • medical treatment or an ambulance call out
  • legal expenses, while you’re defending any of these claims
  • defective work, for businesses involved in trade occupations
  • personal injury or property damage arising out of advice, services or training given free of charge.

Our brokers will work with you to create a tailored liability insurance package that fits your business.


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Cardboard coating

A business applies various hi-specification coatings to cardboard for a variety of end uses, including a paint manufacturer who used the board to produce colour charts for retail/consumer markets. 

The product supplied by the insured was below specification which resulted in the colour samples flaking off the board. The paint company claimed for the cost of the board, further finishing costs and its product recall expenses. 

The coating company’s sale agreement included a limitation of liability to the value of the goods, which were defined as “packaging, wrapping, inserts, lining and protective materials”. This particular product fell outside this definition. Liability was admitted, and settlement was negotiated.