Public liability insurance provides cover for claims made by members of the public, or other third parties, for incidents that occur in connection with business activities; and can cover the cost of compensation for things like personal injury, loss of or damage to property, or death.

Employers Liability covers your business for compensation costs if an employee becomes seriously ill or injured as a result of their employment with you.

Here’s what public and/or employers liability insurance can cover for you:

• Compensation claims for third party injury or death

• Costs to repair or replace property damaged by your business including liability for consequential losses

• Legal expenses

Who needs Public / Employers Liability Insurance?

Whilst public liability is not a legal requirement in the UK some industry regulators, or membership bodies may require you to have it. Similarly, proof of public liability insurance to potential customers can provide reassurance that you,  are covered should anything go wrong. 

In contrast, employers’ liability is a legal requirement for many businesses. More information on employers’ liability obligations can be found here.