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Public liability insurance

Liability cover for your business activity

Call 0800 294 0905 for a quote

Why do I need public liability insurance?

Public liability insurance covers damages awarded to members of the public as a result of injury, or damage to their property, caused by your business activity.

Sufficient cover is essential to protect yourself and your business against claims of negligence where a member of the public has been injured, or their property has been damaged, as a result of your business activity.

If customers or members of the public visit your premises, or you work on their premises, you should consider taking out public liability insurance.

Here are the key benefits:

  • £1 million, £2 million or £5 million levels of cover are available
  • Public liability insurance for up to 12 employees (20 for non-manual professions)
  • Over 250 trades and professions catered for, including more difficult to insure trades such as scaffolders, roofers and working at height
  • Also covers legal fees, costs and expenses, as well as treatment costs which the NHS may claim from you following an injury to a member of the public
What is public liability?

Public liability is a legal liability to pay any damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result of negligence during your business activity.

What is the limit of indemnity for public liability insurance?

You can choose either £1 million, £2 million or £5 million when getting a quotation online. Please call us on 0800 294 0905 if you require a higher level of cover.

Which occupations are covered by a public liability insurance policy?

Public liability insurance is available for tradesmen working in the building industry, including builders, electricians, plumbing, carpenters, scaffolders, painters and decorators and bricklayers. It is also available for professional and non-manual trades.

Good to know

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 Conduct Authority (FCA), Financial Services Register number 310562. You can check their register or call the FCA on 0800 111 6768.

Call now for a quote

0800 294 0905

Lines are open Monday to Friday 8:30am to 5:30pm.

0800 294 0905