{"id":440,"date":"2024-04-19T09:47:49","date_gmt":"2024-04-19T09:47:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/\/cs\/welcome\/public-liability-insurance-t-v2\/"},"modified":"2026-04-22T15:18:05","modified_gmt":"2026-04-22T15:18:05","slug":"public-liability-insurance-t-v2","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/","title":{"rendered":"Public liability insurance (welcome\/public-liability-insurance-t-v2)"},"content":{"rendered":"\n<div  class=\"wp-block-group alignfull hero-insurance is-hidden-mobile has-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-87005528 wp-block-group-is-layout-constrained is-hidden-mobile\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--140);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-55fd7493d1424fcc1d1c6eabd1a3799e\" id=\"h-public-liability-insurance\">Public liability insurance<\/h1>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Get tailored public liability insurance quotes in <strong>7 minutes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"has-medium-font-size wp-block-list-item\">Make a claim anytime with 24\/7 claims support<\/li>\n\n\n\n<li class=\"has-medium-font-size wp-block-list-item\">76% of claims were settled last year<\/li>\n\n\n\n<li class=\"has-medium-font-size wp-block-list-item\">Offering between \u00a31 million and \u00a310 million in claims*<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div  class=\"wp-block-group hero-insurance__img-container is-hidden-mobile has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained is-hidden-mobile\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\"  class=\"is-hidden-mobile wp-block-post-featured-image is-hidden-mobile\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"PL_hero_image.jpg\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg 2500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=800,320 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=768,307 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=1024,410 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=1536,614 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=2048,819 2048w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg?resize=150,60 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull has-no-margin hero is-hidden-mobile has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-fe1bfecf wp-block-group-is-layout-constrained wp-container-2 is-position-sticky is-hidden-mobile\" style=\"background-color:#dbd7f7ed;margin-top:-90px;padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-text-align-left has-medium-font-size wp-block-paragraph\">Join nearly&nbsp;<strong>1 million businesses<\/strong>&nbsp;with cover from&nbsp;<strong>\u00a35.76&nbsp;<\/strong>per<strong>&nbsp;<\/strong>month*<\/p>\n\n\n\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>10% of customers pay the equivalent of \u00a35.76 a month*<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:49.99%\">\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-1-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:150%\">\n<div class=\"simply-business-trade-selector simply-business-trade-selector--default wp-block-simply-business-trade-selector wp-container-content-f67f277b\">\n\t\n<div data-site=\"simplybusiness\" class=\"trade-selector trade-selector--default\">\n\t<label class=\"trade-selector__label trade-selector__label--has-icon\" for=\"trade-selector\">\n\t\t<input\n\t\t\tdata-type=\"trade\"\n\t\t\tid=\"trade-selector\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-controls=\"trade-results\"\n\t\t\taria-autocomplete=\"none\"\n\t\t\taria-activedescendent=\"trade-selector\"\n\t\t\tautocapitalize=\"false\"\n\t\t\tautocorrect=\"false\"\n\t\t\tautocomplete=\"off\"\n\t\t\tclass=\"trade-selector__input\"\n\t\t\trole=\"combobox\"\n\t\t\tspellcheck=\"false\"\n\t\t\tplaceholder=\"What is your Trade \/ Profession?\"\n\t\t\ttype=\"text\"\n\t\t\tdata-quote-url=\"\"\n\t\t\/>\n\t<\/label>\n\n\t\n\t<div class=\"trade-selector__panel\" id=\"trade-panel\" role=\"listbox\" aria-label=\"Trade Results\" aria-hidden=\"true\">\n\n\t\t<div id=\"trade-selector-loading\" aria-hidden=\"true\" class=\"trade-selector__loading\">\n\t\t\tLoading&#8230;\t\t<\/div>\n\n\t\t<div id=\"trade-selector-no-results\" aria-hidden=\"true\" class=\"trade-selector__no-results\" role=\"status\" aria-atomic=\"true\">\n\t\t\tSorry, that&#039;s not a trade we know!<br>Please try again.\t\t<\/div>\n\n\t\t<div id=\"trade-results\" aria-hidden=\"true\" class=\"trade-selector__results\">\n\t\t\t<p data-result=\"exact\" role=\"heading\">\n\t\t\t\tExact Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"exact-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<p data-result=\"suggest\" role=\"heading\">\n\t\t\t\tSuggested Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"suggested-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<ul id=\"generic-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t\t<div class=\"wp-block-button has-size-medium is-style-primary\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/quote.simplybusiness.co.uk\/business\" class=\"wp-block-button__link wp-element-button trade-selector__submit\">\n\t\t\t\t\tStart your quote\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull has-no-margin page-hero is-visible-mobile has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained is-visible-mobile\" style=\"padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<h1 class=\"wp-block-heading has-text-align-center has-x-large-font-size\" id=\"h-public-liability-insurance-0\">Public liability insurance<\/h1>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Join nearly&nbsp;<strong>1 million businesses<\/strong>&nbsp;with cover from&nbsp;<strong>\u00a35.76&nbsp;<\/strong>per<strong>&nbsp;<\/strong>month*<\/p>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull has-no-margin page-hero is-visible-mobile has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained is-visible-mobile\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"simply-business-trade-selector simply-business-trade-selector--default wp-block-simply-business-trade-selector\">\n\t\n<div data-site=\"simplybusiness\" class=\"trade-selector trade-selector--default\">\n\t<label class=\"trade-selector__label trade-selector__label--has-icon\" for=\"trade-selector\">\n\t\t<input\n\t\t\tdata-type=\"trade\"\n\t\t\tid=\"trade-selector\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-controls=\"trade-results\"\n\t\t\taria-autocomplete=\"none\"\n\t\t\taria-activedescendent=\"trade-selector\"\n\t\t\tautocapitalize=\"false\"\n\t\t\tautocorrect=\"false\"\n\t\t\tautocomplete=\"off\"\n\t\t\tclass=\"trade-selector__input\"\n\t\t\trole=\"combobox\"\n\t\t\tspellcheck=\"false\"\n\t\t\tplaceholder=\"What is your Trade \/ Profession?\"\n\t\t\ttype=\"text\"\n\t\t\tdata-quote-url=\"\"\n\t\t\/>\n\t<\/label>\n\n\t\n\t<div class=\"trade-selector__panel\" id=\"trade-panel\" role=\"listbox\" aria-label=\"Trade Results\" aria-hidden=\"true\">\n\n\t\t<div id=\"trade-selector-loading\" aria-hidden=\"true\" class=\"trade-selector__loading\">\n\t\t\tLoading&#8230;\t\t<\/div>\n\n\t\t<div id=\"trade-selector-no-results\" aria-hidden=\"true\" class=\"trade-selector__no-results\" role=\"status\" aria-atomic=\"true\">\n\t\t\tSorry, that&#039;s not a trade we know!<br>Please try again.\t\t<\/div>\n\n\t\t<div id=\"trade-results\" aria-hidden=\"true\" class=\"trade-selector__results\">\n\t\t\t<p data-result=\"exact\" role=\"heading\">\n\t\t\t\tExact Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"exact-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<p data-result=\"suggest\" role=\"heading\">\n\t\t\t\tSuggested Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"suggested-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<ul id=\"generic-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull has-no-margin page-hero is-visible-mobile has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-container-3 is-position-sticky is-visible-mobile\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link wp-element-button has-inline-icon\" href=\"https:\/\/quote.simplybusiness.co.uk\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull has-no-margin page-hero is-visible-mobile has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained is-visible-mobile\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<ul  class=\"wp-block-list is-visible-mobile is-style-checks is-visible-mobile is-visible-mobile\">\n<li class=\"wp-block-list-item\">95% of settled claims paid within 24 hours last year<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get tailored public liability insurance quotes in 7 minutes<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Offering between \u00a31 million and \u00a310 million in claims*<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-89ff6f5b191b69f711900e30d918a271 wp-block-paragraph wp-block-block\" style=\"line-height:1.7\">10% of customers pay the equivalent of \u00a35.76 a month*<\/p>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull is-hidden-mobile has-dark-800-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-8a6e1d48 wp-block-group-is-layout-constrained is-hidden-mobile\" style=\"margin-top:0px;margin-bottom:50px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading has-text-align-center has-azure-200-color has-text-color has-link-color has-small-font-size wp-elements-b78f4c8b5e79bf4bb1eec5db752d8d85\" id=\"h-compare-quotes-from-leading-brands\"><br>Compare quotes from leading brands<\/h2>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-2f46d8f6 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/chiswell_logo_b93edf.webp\" alt=\"\" class=\"wp-image-13929\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"104\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/hiscox_logo_d7aef6.webp\" alt=\"\" class=\"wp-image-13930\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa_logo_642213.webp\" alt=\"\" class=\"wp-image-13925\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"86\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich_logo_0ebada.webp\" alt=\"\" class=\"wp-image-13931\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/aig_logo_b2bacc.webp\" alt=\"\" class=\"wp-image-13932\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"82\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/covea_logo_f71120.webp\" alt=\"\" class=\"wp-image-13933\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"68\" width=\"150\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp?w=150&amp;h=68&amp;crop=1\" alt=\"Churchill logo\" class=\"wp-image-5840\" style=\"object-fit:cover;width:76px;height:34px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp 152w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp?resize=150,67 150w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"144\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/finsbury_logo_fb1d51.webp\" alt=\"\" class=\"wp-image-13934\" style=\"width:auto;height:33px\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div  class=\"wp-block-group alignfull is-visible-mobile has-dark-800-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-0a4ec431 wp-block-group-is-layout-constrained is-visible-mobile\" style=\"margin-top:0px;margin-bottom:10px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading has-text-align-center has-azure-200-color has-text-color has-link-color has-medium-font-size wp-elements-7693e6fbe6adcd55684529f9abefe903\" id=\"h-compare-quotes-from-leading-brands-0\">Compare quotes from leading brands<\/h2>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-2f46d8f6 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/chiswell_logo_b93edf.webp\" alt=\"\" class=\"wp-image-13929\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"104\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/hiscox_logo_d7aef6.webp\" alt=\"\" class=\"wp-image-13930\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa_logo_642213.webp\" alt=\"\" class=\"wp-image-13925\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"86\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich_logo_0ebada.webp\" alt=\"\" class=\"wp-image-13931\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/aig_logo_b2bacc.webp\" alt=\"\" class=\"wp-image-13932\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"82\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/covea_logo_f71120.webp\" alt=\"\" class=\"wp-image-13933\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-thumbnail is-resized\"><img loading=\"lazy\" decoding=\"async\" height=\"68\" width=\"150\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp?w=150&amp;h=68&amp;crop=1\" alt=\"Churchill logo\" class=\"wp-image-5840\" style=\"object-fit:cover;width:76px;height:34px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp 152w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/churchill_logo.webp?resize=150,67 150w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"144\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/finsbury_logo_fb1d51.webp\" alt=\"\" class=\"wp-image-13934\" style=\"width:auto;height:33px\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<h2 class=\"wp-block-heading alignwide\" id=\"employeeinsurancewhatscovered\">What does public liability insurance cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The UK\u2019s most common accident is a slip, trip, or fall, and the majority of them happen out and about. <strong>Public liability insurance,<\/strong> also known as PL or liability insurance is designed to protect your business against third party claims for injuries or property damage, whether you\u2019re at fault or not. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most liability insurance covers you for accidents on your premises or off-site, from a customer tripping over your tool kit to damaging someone\u2019s dress during hair-up at a wedding. It\u2019s important to review a public liability insurance quote carefully, checking your insurer offers cover for the risks you face.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Keep in mind, accidents caused by your employees will only be covered if you have <\/strong><a data-type=\"page\" data-id=\"370\" href=\"\/business-insurance\/employers-liability-insurance\/\"><strong>employers\u2019 liability insurance<\/strong><\/a><strong> in place too.<\/strong><\/p>\n\n\n\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/personal-accident.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tInjury\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tDamage\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stock.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tProduct liability\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"injurytab-25\">\n\t\n\n<h4 class=\"wp-block-heading\" id=\"h-what-does-this-cover\">What does this cover?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental injury to a third party, as a direct result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-when-would-i-need-to-make-a-claim\">When would I need to make a claim?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">for example, you accidentally spill boiling water on your client\u2019s hand, causing a bad burn and long-term injury<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-isn-t-covered\">What isn\u2019t covered?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">accidental injury caused by your employees or anyone else in your business \u2013 you\u2019d usually need to add employers\u2019 liability insurance to cover this<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"damagetab-26\">\n\t\n\n<h4 class=\"wp-block-heading\" id=\"h-what-does-this-cover-0\">What does this cover?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental damage to a third party\u2019s property, as a direct result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-when-would-i-need-to-make-a-claim-0\">When would I need to make a claim?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">for example, you accidentally knock your client\u2019s laptop onto a hard concrete floor, damaging it beyond repair<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-isn-t-covered-0\">What isn\u2019t covered?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">accidental damage caused by your employees or anyone else working for your business \u2013 you\u2019d usually need to add employers\u2019 liability insurance to cover this<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"product-liabilitytab-27\">\n\t\n\n<h4 class=\"wp-block-heading\" id=\"h-what-does-this-cover-1\">What does this cover?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental injury to a third party, caused by a product you\u2019ve made or sold<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees and cover, up to the level stated on your policy wording<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-when-would-i-need-to-make-a-claim-1\">When would I need to make a claim?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">or example, you accidentally give a customer food poisoning, as a result of food you\u2019ve prepared and sold from your snack bar, or<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your wooden toy company is held responsible for a child\u2019s injury, caused by a defect in a product you\u2019ve made<\/li>\n<\/ul>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-47667efc91165820b545a9f25f422170 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xsmall-font-size wp-block-paragraph\"><em>*The price is for up to \u00a32 million of public liability insurance \u2013 10% of customers paid \u00a369.10 or less annually between 1st Oct 2025 &#8211; 31st March 2026. Equivalent to \u00a35.76 a month (and excludes the extra costs for paying monthly). 84% of customers have a \u00a31 million limit and 16% \u00a32 million. If you complete a quote, more types of cover will be available. These all have additional costs.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\" id=\"how-it-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background is-style-wide\"\/>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\" id=\"does-it-cover-my-work\">\n<h2 class=\"wp-block-heading alignwide\" id=\"h-public-liability-insurance-for-a-wide-range-of-trades\">Public liability insurance for a wide range of trades<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-public-liability-insurance-for-a-wide-range-of-tradespublic-liability-insurance-for-business-protects-your-work-by-covering-the-legal-claim-if-a-member-of-the-public-is-injured-gets-ill-or-loses-out-financially-and-blames-your-business-some-examples-of-trades-we-cover-include\">Public liability insurance for business protects your work by covering the legal claim if a member of the public is injured, gets ill, or loses out financially and blames your business. Some examples of trades we cover include:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/builders-insurance\/\" data-type=\"page\" data-id=\"471\">Builders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/catering-insurance\/\" data-type=\"page\" data-id=\"535\">Catering insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/cleaning-insurance\/\" data-type=\"page\" data-id=\"541\">Cleaning insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\" data-type=\"page\" data-id=\"548\">Contractor insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/hairdressing-insurance\/\" data-type=\"page\" data-id=\"624\">Hairdressing insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Is your profession not listed? When you <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quote<\/a> you can select your trade from over 1,000 options. Running a quote should give you an idea of the PL insurance cost for your business.<\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\">\u00a357 million in claims paid out in 2025<\/h3>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7e3face948eb217efb6fbed2f18d1d71 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\"><em>The figure above is rounded across our range of products. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 13\/03\/2026.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<h2 class=\"wp-block-heading alignwide\" id=\"employersinsurancefaqs\">Liability insurance covers FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is a key cover for most businesses \u2013&nbsp;our comprehensive FAQs answer some of the most popular questions about public liability insurance.  You can also check out our <a href=\"\/business-insurance\/faq\/what-is-public-liability-insurance\/\" data-type=\"page\" data-id=\"601\">public liability insurance FAQs<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. <a href=\"\/terms-conditions\/\" data-type=\"page\" data-id=\"1711\">Read our full Terms and Conditions<\/a><\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-5&quot;,&quot;contentId&quot;:&quot;tenup-accordion-5-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-5-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-5-content\" aria-expanded=\"false\" id=\"tenup-accordion-5-header\" class=\"tenup-uikit-container-4 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat does public liability insurance cover?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-5-header\" id=\"tenup-accordion-5-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">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\u2019re working on their property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But when it comes to liability insurance, what is it that you&#8217;re covered for? Typically, public liability cover can protect you against:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">compensation payments for third party injury (or even death)<\/li>\n\n\n\n<li class=\"wp-block-list-item\">repair or replacement costs, for damaged property or possessions<\/li>\n\n\n\n<li class=\"wp-block-list-item\">medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal expenses, while you\u2019re defending any of these claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/what-does-public-liability-insurance-cover\/\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-7&quot;,&quot;contentId&quot;:&quot;tenup-accordion-7-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-7-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-7-content\" aria-expanded=\"false\" id=\"tenup-accordion-7-header\" class=\"tenup-uikit-container-6 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much public liability insurance do I need?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-7-header\" id=\"tenup-accordion-7-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Simply Business offers a minimum level of \u00a31 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a good idea to check your policy when you take on each new job or contract. For example, companies working on government contracts are usually required to be covered for a minimum of \u00a35 million or even \u00a310 million in public liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/how-much-public-liability-insurance-do-i-need\/\" data-type=\"page\" data-id=\"584\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-9&quot;,&quot;contentId&quot;:&quot;tenup-accordion-9-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-9-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-9-content\" aria-expanded=\"false\" id=\"tenup-accordion-9-header\" class=\"tenup-uikit-container-8 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs public liability insurance required by law?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-9-header\" id=\"tenup-accordion-9-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you have staff, it&#8217;s likely that getting employers&#8217; liability insurance is a legal requirement. But while public liability insurance isn&#8217;t required by law in the UK, it&#8217;s worth considering and is an important cover for many businesses. It protects against claims and legal action for injury and property damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/is-public-liability-insurance-compulsory-by-law\/\" data-type=\"page\" data-id=\"589\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-11&quot;,&quot;contentId&quot;:&quot;tenup-accordion-11-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-11-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-11-content\" aria-expanded=\"false\" id=\"tenup-accordion-11-header\" class=\"tenup-uikit-container-10 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs public liability insurance tax deductible?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-11-header\" id=\"tenup-accordion-11-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Businesses can deduct costs when calculating taxable profit. These are known as &#8216;allowable expenses&#8217; \u2013&nbsp;and business insurance is an allowable expense. Make sure you keep records of income and expenses, including receipts and invoices, for HMRC. This also means keeping your policy documents safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/is-public-liability-insurance-tax-deductible\/\" data-type=\"page\" data-id=\"590\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-13&quot;,&quot;contentId&quot;:&quot;tenup-accordion-13-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-13-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-13-content\" aria-expanded=\"false\" id=\"tenup-accordion-13-header\" class=\"tenup-uikit-container-12 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat\u2019s the difference between public and product liability insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-13-header\" id=\"tenup-accordion-13-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Public liability insurance can protect you and your business if a member of the public suffers an injury or another loss because of your business. If you sell, create, manufacture, or distribute a product, then it&#8217;s worth considering product liability insurance too, as it can provide further protection for you and your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/public-liability-insurance-vs-general-liability-insurance\/\" data-type=\"page\" data-id=\"21265\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Public liability insurance quotes from trusted insurers. Join over {{UK SB CUSTOMER NUMBER}} small businesses, covering compensation, damaged property, legal fees and more.<\/p>\n","protected":false},"author":12,"featured_media":2422,"parent":117,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-nav","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"","sb_primary_cta_id":"","sb_secondary_cta_id":"","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[424],"class_list":["post-440","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Public Liability Insurance - Simply Business UK<\/title>\n<meta name=\"description\" content=\"Public liability insurance quotes from trusted insurers. Join over {{UK SB CUSTOMER NUMBER}} small businesses, covering compensation, damaged property, legal fees and more.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"-\" \/>\n<meta property=\"og:description\" content=\"-\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-22T15:18:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Public liability insurance (welcome\/public-liability-insurance-t-v2)\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/\",\"name\":\"Public Liability Insurance - Simply Business UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/cs\/welcome\/public-liability-insurance-t-v2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/PL_hero_image.jpg\",\"datePublished\":\"2024-04-19T09:47:49+00:00\",\"dateModified\":\"2026-04-22T15:18:05+00:00\",\"description\":\"Public liability insurance quotes from trusted insurers. 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But when it comes to liability insurance, what is it that you're covered for? Typically, public liability cover can protect you against:     compensation payments for third party injury (or even death)    repair or replacement costs, for damaged property or possessions    medical fees, if the NHS decide to claim for hospital treatment, or an ambulance call out    legal expenses, while you\u2019re defending any of these claims     Read more\"}},{\"@type\":\"Question\",\"name\":\"How much public liability insurance do I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Simply Business offers a minimum level of \u00a31 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.    It\u2019s a good idea to check your policy when you take on each new job or contract. 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