{"id":591,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/public-liability-vs-professional-indemnity-difference\/"},"modified":"2026-04-21T16:17:59","modified_gmt":"2026-04-21T16:17:59","slug":"public-liability-vs-professional-indemnity-difference","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/public-liability-vs-professional-indemnity-difference\/","title":{"rendered":"Public liability or professional indemnity?"},"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-fd48ce3d9cf2d7802d63ca9b625b6264\" id=\"h-public-liability-or-professional-indemnity\">Public liability or professional indemnity?<\/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\">Public liability insurance can cover compensation claims if you\u2019re sued by a member of the public for injury or damage, while professional indemnity insurance can cover compensation claims if you\u2019re sued by a client for a mistake that you make in your work.<\/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\/\" 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\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/home-baking-insurance\/\" data-type=\"page\" data-id=\"633\" >Home baking insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\" data-type=\"page\" data-id=\"701\" >Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/pub-insurance\/\" data-type=\"page\" data-id=\"733\" >Pub insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/security-guard-insurance\/\" data-type=\"page\" data-id=\"738\" >Public liability insurance for security guards<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/restaurant-insurance\/\" data-type=\"page\" data-id=\"745\" >Restaurant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/roofers-insurance\/\" data-type=\"page\" data-id=\"379\" >Roofers insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/takeaway-insurance\/\" data-type=\"page\" data-id=\"764\" >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=\"whatisthedifferencebetweenpublicliabilityandprofessionalindemnity\">What is the difference between public liability and professional indemnity?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\" >Public liability insurance<\/a> and <a href=\"\/business-insurance\/professional-indemnity-insurance\/\" data-type=\"page\" data-id=\"720\" >professional indemnity insurance<\/a> are both business insurance covers designed to cover compensation claims. However, the types of compensation claims they cover can be quite different.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"whatpublicliabilityinsurancecancover\">What public liability insurance can cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance can cover your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">injury compensation claims made against you<\/li>\n\n\n\n<li class=\"wp-block-list-item\">property damage compensation claims made against you<\/li>\n\n\n\n<li class=\"wp-block-list-item\">legal fees associated with injury or damage compensation claims<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Compensation claims covered by public liability insurance are those made by members of the public, which can include clients, customers, suppliers and passersby.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you run a restaurant and a supplier slips on a newly-cleaned floor, or you run a consultancy business and you spill a cup of coffee over a client\u2019s computer equipment, you could face a compensation claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means public liability insurance is useful for most businesses (as most businesses come into contact with the public), but it\u2019s particularly important for shops, tradespeople and salons. Some client contracts will require you to have a certain level of public liability insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"whatprofessionalindemnityinsurancecancover\">What professional indemnity insurance can cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance can cover your business for compensation claims made by a client because you\u2019ve made a mistake in your work. The mistakes it covers could include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">professional negligence<\/li>\n\n\n\n<li class=\"wp-block-list-item\">unintentional breaches of copyright or confidentiality<\/li>\n\n\n\n<li class=\"wp-block-list-item\">loss of documents or data<\/li>\n\n\n\n<li class=\"wp-block-list-item\">defamation or libel<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This means that professional indemnity insurance is mainly useful for businesses that provide a professional service or offer advice. For example, if you accidentally forwarded confidential client information to a third party, or if your architecture firm made a mistake in plans and a building collapsed as a result, you could face a compensation claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance is a requirment of some membership bodies and regulators &#8211; if you\u2019re a self-employed solicitor, financial adviser, accountant, or architect, for example.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"professionalindemnityandpublicliabilitycoverlimits\">Professional indemnity and public liability cover limits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The cover limits of public liability vs. professional indemnity insurance tend to be a bit different too. You can usually buy professional indemnity insurance with a cover limit of between \u00a350,000 and \u00a35 million, while public liability insurance policies are usually between \u00a31 million and \u00a310 million.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"buyingprofessionalindemnityandpublicliabilityinsurance\">Buying professional indemnity and public liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can buy professional indemnity insurance and public liability insurance in a single <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\" >business insurance<\/a> policy from Simply Business, and add other <a href=\"\/business-insurance\/types-of-insurance-covers\/\" data-type=\"page\" data-id=\"552\" >business insurance covers<\/a> too.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatively, you can buy a standalone public liability insurance policy. And some businesses &#8211; including accountants, consultants, engineers, journalists and surveyors &#8211; can buy standalone professional indemnity insurance policies. If you\u2019re not sure whether your business can get a standalone professional indemnity policy, run through our <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">quote form<\/a> or give us a call on 0333 014 6683.<\/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=\"readytosetupyourbusinessinsurance\">Ready to set up your business insurance?<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As the UK&#8217;s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> provider, we protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?<\/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\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the 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