What is public liability insurance and why is it essential for business owners?

woman worried about employers liability insurance

COVID hit, your employees have become sick and your company is low on staff. However, you still need to run your business. So, the few staff that you are left with have been given extra workloads to compensate. Now, when your employees have a lot to do and little time to do it, they could get into accidents. Luckily you have public liability insurance (or you will soon) so you have nothing to worry about.

What is public liability insurance?

Public liability insurance provides legal liability cover for the costs and damages resulting from bodily injuries, death to members of the public, or damage to their property. Public liability gives you cover for those situations that are truly out of your hands. So that you no longer have to worry about claims made by the public against your business.

Policies vary from insurer to insurer, but at the very least, most public liability policies cover these situations:

  • personal injuries
  • loss of or damage to property
  • death
  • occurrences that transpire on the premises of your business
  • incidents that transpire off-site, at functions or events that your company has organised

Who is it for?

You should consider public liability insurance for any of the following reasons:

  • you are own business premises that members of the public, customers or clients visit
  • your business organises off-site events or activities that are attended by members of the public
  • you run a business from your home and people visit your home for professional purposes

Is Public Liability a legal requirement?

The short answer is, no. Unlike Employers’ liability insurance, public liability insurances are not legally required. You may be wondering why you need to spend money on something that is not compulsory by law. However, that is the equivalent of asking whether you need to take an umbrella on a dark, cloudy day. You may not need it, but if it begins to pour, you want to make sure that you can stay dry when the time comes. Just as, you want to make sure your company is not being sued for incidents that involve your company or its premises.

Not only is public liability for the protection of your company, but public liability cover also provides your clients with peace of mind. In fact, many clients will not even allow work to start if your business does not have public liability cover. Many trade associations may even refuse to let you register with them if you do not have a valid public liability policy.


With years of experience and immense knowledge, we at Trevellyan can keep you updated with the best insurance policies from the best companies. For a free quote on your public liability insurance, or to find more information on the services we provide at Trevellyan, visit our page.

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