Public Liability Insurance

Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO

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As a business owner, you are responsible for the safety of the people who use your business. No matter how good your precautions are, accidents can happen. If a customer or anyone else is injured while on your property you may be held accountable. This is why a good insurance policy will be essential in paying compensation claims and protecting your finances.

It is not just the owner of the building who will need public liability insurance to protect them against injuries caused from slips and trips on the premises.  If you lease a premises, you will still need public liability cover.  What would you do if a customer were to slip on a floor you’d just washed or if they tripped over a stock box left out by an employee? 

Public liability insurance is essential for all businesses. If someone suffers an injury, or their property is damaged, you need to be able to cover the costs of compensation. Brisco Business can help you find a public liability insurance policy which covers all your obligations and minimises financial exposure for your business.

We partner with some of the UK’s most trusted public liability insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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What is public liability insurance?

Public liability insurance is required for any business which will have members of the general public onsite, such as shop or restaurant. You will be responsible for their safety while they are on your premises, but accidents can happen. If they do, you may be liable to pay for any compensation claims. To protect you financially you must have public liability insurance in place.

How much does public liability insurance cost?

The cost will be determined by a number of different factors including the size of your business, how many people are likely to be onsite and any claims you have made in the past five years.

Does public liability insurance cover my employees?

No. For that you will need employer’s liability insurance. This covers you for any injuries your employees suffer while at work in much the same way as public liability insurance protects your customers.

What happens if I don’t have public liability insurance?

Quite simply, it could ruin your business financially. Covering a claim for damage to a property or an injury to a member of the public will be entirely in your hands, and this will be costly. For a small business, losing a large sum of money could mean you have to stop running your company if the financial burden is too much. Even a larger organisation may suffer too. Public liability insurance will help you out in the event of accidental damage or injury.

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