Public Liability Insurance

What it is:

Public Liability Insurance covers you if a member of the public is injured or their property is damaged because of your business activities.

Who it is for:

Any business or self-employed person who interacts with customers, clients, or the public – including tradespeople, shop owners, and event organisers.

Advantages of having it:

• Covers compensation claims and legal fees.
• Protects your business image and credibility.
• Often required for contracts and public events.
• Affordable safeguard against costly accidents.

Risks if you don’t have it:

• Full financial responsibility for injury or damage claims.
• Potential closure of your business after a large claim.
• Loss of contracts that require insurance.
• Legal costs could exceed your available resources.