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.
It 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.
It's quick and easy to get a public liability insurance quote online. Simply tell us about your business or call us on 0800 294 0905.
Reasons to choose the AA for public liability insurance
- Choose your level of cover – £1 million, £2 million or £5 million levels 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
Public liability insurance – frequently asked questions
Why do I need to have public liability insurance?
Sufficient public liability insurance 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.
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?
Online you can choose between £1 million, £2 million or £5 million. 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.
Other products & services
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). You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk (link opens a new window) or by contacting the FSA on 0845 606 1234.