Public liability insurance

Although there’s no legal requirement to get public liability insurance, unless you run a horse-riding establishment, it’s a good idea to consider this cover if your business involves interaction with members of the public.

It can protect you against claims made by third parties if you cause an injury or damage someone’s property.

What’s more, some clients may ask for proof of public liability insurance before they work with you. In addition, you may need public liability insurance if you're a member of a trade association or professional body that requires you to have it.

Public liability insurance is designed to pay legal fees and compensation costs if a third party makes a claim against your business for personal injury, property damage, or even death.

It covers claims made by people who aren’t employees – including clients or customers, visitors, and people taking part in or watching activities you have organised.