Public Liability Insurance.

✓ Tailored liability insurance quotes

✓ Get your policy documents direct to you

✓ Save time and money on insurance

✓ Online support and on the phone

Public Liability insurance protects your business if someone is injured or their property is damaged because of your work. It’s a type of business insurance that can cover compensation costs and legal feels if a client or member of the public sues your business

What is Public Liability insurance?

It’s for the mishaps that happen to others, or their property, in your workplace. It’s insurance for common slips, trips and falls. The majority of them happen out and about. Public liability insurance is designed to protect your business against third party claims for injuries or property damage - from a customer, client, or even a visitor to your premises, whether you’re at fault or not.

If your business is interacting with any third parties customers, suppliers, members of the public on a regular basis, then you may need to consider public liability insurance. It’s hard to predict the chances of a public liability claim, but if it were to occur, it could be potentially damaging to your business and extremely costly.

Some of the businesses that may need a public liability insurance policy include:

  • Retailers

  • Trades

  • Professionals

  • Manufacturers

  • Wholesalers

  • Travel and Tourism

  • E-commerce

  • Office based

Do I need public liability insurance?

What does public liability insurance cover?

Most liability insurance covers you for accidents on your premises or off-site, from a slip on the floor toa spill on a clients laptop.

✓ Accidental Damage and injury claims - Public liability insurance is designed for claims made by third parties in relation to accidental injury or property damage as a result of your business

✓ Legal expenses and compensation cover - If a claim is made against you, public liability insurance will cover compensation costs and legal feels if a client or member of the public sues your business.

✓ Compensation for damage of third party goods not owned by you which are in your care, custody and control

✓ Multiple cover options - Choose from £1m, £2m or £5m of public liability cover options. You can always change the level of cover if you believe you have too little or too much cover.

What is typically not covered?

  • Injuries to your employees

  • Damages to your own property

  • Professional negligence

  • Contractual liability

  • Events occurring before or after your policy period

  • Asbestos

  • Punitive damages

Why choose Rosegate for your public liability insurance?

✓ Built for business (We know how businesses operate and we know insurance)

✓ Clear and competitive pricing (You can compare and choose from a range of highly competitive prices right there on your screen)

✓ Cover to match your needs (Tailor your policies from insurer’s to suit the needs of your business, and we are there to help)

✓ Online support and on the phone

Public Liability FAQ’s

  • Public liability insurance covers your business against compensation claims and legal costs if a third party suffers injury or property damage while on your premises, or while you’re working on their property

  • When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:

    The type and nature of your business

    Your business turnover and size

    The amount of insurance cover your business needs

    Additional factors that determine the cost of your Public Liability insurance policy include:

    The location of your business

    What is included and excluded in your policy

    The insurance provider you choose

    The most accurate way to find out the cost for your business is to simply get an instant online quote.

  • Public liability insurance reassures your customers that you – and they – are properly protected in case things go wrong. While it isn’t a legal obligation under UK law, your clients, industry regulator, or membership body may require you to have it. At Rosegate Insurance, we can provide public liability insurance for limited companies, and public liability insurance for individuals