Liability Insurance
We offer liability insurance tailored to your business needs, with cover available for the following types of liability.
Public liability insurance allows your business to cover the cost of damages awarded to members of the public for injury or damage to their property caused by your business activity. It also covers legal fees and expenses related to defending a claim.
Employers' liability insurance enables you to meet the cost of damages and legal fees for employees who are injured, or made ill at work, as a result of your negligence.
Product liability insurance covers you against damages awarded as a result of personal injury or damage caused by a product you supply.
It's quick and convenient to get a liability insurance quote online. Simply enter your details and we'll search for quotes from leading UK insurers.
Reasons to choose the AA for liability insurance
- Liability cover for businesses with up to 10 people
- Choose your level of public liability insurance – £1 million, £2 million or £5 million available
- Employers' liability insurance – cover of £10 million available
- Product liability – included as standard with most of our policies
- Health & Safety discounts if you have a good Health & Safety record
- Cover for tools – up to £1,500 optional cover
- Liability cover for heat based tasks, such as blow–torch work
- Temporary employees – cover for up to 100 manual days available
Liability insurance – frequently asked questions
Why do I need public liability insurance?
Public liability insurance cover is essential to protect yourself and your business against claims of negligence resulting from injury to a member of the public, or damage to their property, as a consequence of your business activity.
Many customers insist on a public liability insurance policy being in place before you can begin work. So you can avoid delays by showing your customers that you are already insured.
Find out more about public liability insurance
What is public liability?
Public liability is a legal liability to pay damages awarded to members of the public for injury, illness, disease, or for loss or damage to their property, sustained as a result of negligence during your business activity.
What is the limit of indemnity for public / products liability?
Limits of £1 million, £2 million or £5 million are available online. Please call us on 0800 294 0905 if you require a higher level of cover.
What is employers' liability insurance?
Employers' liability is a legal liability to pay damages as a consequence of injury, illness or disease sustained by any employee at work.
Find out more about employers' liability insurance
How do I know if I need employers' liability insurance?
Employers' liability insurance cover is compulsory for businesses with employees under UK law. This includes businesses that employ sub-contractors, temporary workers and trainees.
What is the limit of indemnity for employers' liability?
The minimum level of employers' liability cover required by law is £5 million. The policies we offer include a minimum cover limit of £10 million.
What occupations are covered by a liability insurance policy?
Liability insurance is available for many tradesmen in the building trade, including builders, electricians, plumbers, carpenters, scaffolders, painters and decorators, bricklayers and ground workers.
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Related information
AA Business Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). Registration number 310562. You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0300 500 5000.