{"id":575,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/difference-between-public-liability-and-employers-liability\/"},"modified":"2026-02-03T12:40:28","modified_gmt":"2026-02-03T12:40:28","slug":"difference-between-public-liability-and-employers-liability","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/difference-between-public-liability-and-employers-liability\/","title":{"rendered":"Public liability insurance vs employers liability insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-bg has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--150);padding-bottom:var(--wp--preset--spacing--150);background-image:url(&apos;https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business-uk\/assets\/images\/faq-bg.png&apos;);background-size:cover;\">\n<h1 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color has-max-huge-font-size wp-elements-3b571b7cf8f4a346d8893ad1f18d9e0e\" id=\"h-public-liability-insurance-vs-employers-liability-insurance\">Public liability insurance vs employers liability insurance<\/h1>\n\n\n\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 is-style-fill\"><a class=\"wp-block-button__link has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/q\/business\/new_business\/about_your_business\/66584f379da7cc053176bee1?_gl=1%2Avulc6n%2A_ga%2AMTIzMjExNjA1My4xNzE3MDUzMTc2%2A_ga_PCBVYX06QP%2AMTcxNzA2MzIyMy4yLjEuMTcxNzA2MzQxNC40My4wLjA.\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--70)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The difference between public liability and employers\u2019 liability insurance is that public liability insurance can cover your business in the case of third party compensation claims, while employers\u2019 liability insurance can cover you in the case of employee (or ex-employee) injury compensation claims.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"populartradesweinsure\">Popular trades we insure<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/builders-insurance\/\">Builders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/catering-insurance\/\">Catering insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/cleaning-insurance\/\">Cleaning insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\">Contractor insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/hairdressing-insurance\/\">Hairdressing insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/home-baking-insurance\/\">Home baking insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\">Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/pub-insurance\/\">Pub insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/security-guard-insurance\/\">Public liability insurance for security guards<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/restaurant-insurance\/\">Restaurant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/roofers-insurance\/\">Roofers insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/takeaway-insurance\/\">Takeaway 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.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatisthedifferencebetweenpublicliabilityandemployersliability\">What is the difference between public liability and employers&#8217; liability?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Both public liability and employers\u2019 liability insurance are business covers that can pay out if your business faces a compensation claim for injury. The difference is that <a href=\"\/business-insurance\/public-liability-insurance\/\">public liability insurance<\/a> covers claims made by a third party (i.e. a member of the public like a client, customer, supplier or passerby), while <a href=\"\/business-insurance\/employers-liability-insurance\/\">employers\u2019 liability insurance<\/a> covers injury claims made by an employee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance isn\u2019t a legal requirement, although it may be required by your client contracts. It\u2019s particularly important for businesses that come into contact with the public, for example shops, restaurants, tradespeople and salons. If someone blamed injury or damage on your business and sued, you could face hefty legal fees and an expensive settlement. Your public liability insurance could help pay this.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to understand that public liability insurance won\u2019t cover compensation claims made by employees or former employees for injury that they\u2019ve suffered in the course of their work. To cover this risk, you need employers\u2019 liability insurance, which is a legal requirement for most businesses with employees. Some types of subcontractors count as employees for the purposes of the legislation, and part-time and temporary workers are also included. For more information, see: <a href=\"\/business-insurance\/faq\/do-i-need-employers-liability-insurance\/\">Do I need employers\u2019 liability insurance?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of cover levels for public liability vs employers\u2019 liability insurance, Simply Business offers between \u00a31 million and \u00a310 million of public liability insurance. For employers\u2019 liability insurance, \u00a35 million of cover is the legal minimum, but Simply Business offers \u00a310 million as standard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can buy both covers in a single business insurance policy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does public liability insurance cover employees?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/public-liability-insurance\/\">Public liability insurance<\/a> doesn\u2019t cover claims made by employees. It\u2019s designed to cover compensation claims made by a third party &#8211; for example a client, a customer, a supplier, or another member of the public &#8211; because they\u2019ve been injured or their property\u2019s been damaged by your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance is designed to cover members of the public rather than employees. <a href=\"\/business-insurance\/employers-liability-insurance\/\">Employers\u2019 liability insurance<\/a> is the insurance you need to cover injury or damage claims made by a member of staff. This insurance is a legal obligation for most employers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Going back to public liability insurance, a \u2018member of the public\u2019 could mean pretty much anyone your business comes into contact with, from a customer who enters your shop to a pedestrian who passes your construction site.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can buy public liability insurance and employers\u2019 liability insurance together as part of a tailored <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance policy<\/a> from Simply Business. <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Get a quote now<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"readytosetupyourpublicliabilityinsurance\">Ready to set up your public liability insurance?<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As the UK\u2019s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> provider, we protect more trades than anybody else. You can get your public liability insurance and employers\u2019 liability insurance in one policy.<\/p>\n\n\n\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\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" 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M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Public liability insurance and employers&#8217; liability insurance are two different types of business insurance. Check out the difference in this FAQ page.<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":572,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Public liability insurance vs employers liability insurance\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The difference between public liability and employers' liability insurance is that public liability insurance can cover your business in the case of third party compensation claims, while employers' liability insurance can cover you in the case of employee (or ex-employee) injury compensation claims.\"\n            }\n        }\n    ]\n}","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":[205],"class_list":["post-575","page","type-page","status-publish","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 vs employers&#039; liability (what&#039;s the difference?) - Simply Business UK<\/title>\n<meta name=\"description\" content=\"Public liability insurance and employers&#039; liability insurance are two different types of business insurance. 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