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Public Liability Insurance

Public Liability Insurance Broker

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products.

Our process is also quick and straightforward and offers you handpicked insurance policies you can trust.

To request a quote, send us your details and we’ll come back to you within 24 hours on business days.

If you don’t have time to wait, you can always call us on 01204 565600 during office hours.

    This form collects your name, renewal date & phone number so that we can communicate with you and provide assistance. Please check our Privacy Policy to see what we'll do with your information.

    Protect your Business With Public Liability Insurance

    Public liability insurance cannot keep unexpected accidents from happening, but it can protect your business against the financial costs associated with them.

    A business could suffer heavy losses in the event of an accident. Loss of reputation, litigation expense, and compensation payouts are examples of accident-related costs that are enough to financially cripple a small business.

    Accidents are beyond your control but, as a business owner, you can take steps to be prepared for them beforehand. Taking out a public liability cover is one such step you can take to minimise disruptions and protect your business.

    At IC Insurance Solutions, we work long and hard to develop an in-depth understanding of the risks business owners face. We then collaborate with our vast network of partner insurers to design bespoke insurance policies for you.

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    Do I Need Public Liability Insurance?

    While public liability insurance is not a legal requirement like employer’s liability insurance, you should consider investing in it – especially if your business interacts with the public on a daily basis.

    You need public liability insurance if:

    • You own a business premise which is frequented by customers or members of the public
    • Your business arranges off-site events, gatherings or activities that are attended by public
    • You run your business from home and people visit you for professional purposes.

    What is Public Liability Insurance?

    Public liability insurance is a special type of business insurance that protects businesses from the cost of legal action and compensation claims filed against them by clients or members of the public for incidents that occur in connection with business activities.

    Having a comprehensive public liability insurance package in place means that you have adequate protection against the costs arising from unexpected accidents. Public liability insurance policies cover compensation and legal expense for:

    • Personal injury and illness claims
    • Damage to/ loss of property claims
    • Death claims

    What Does Public Liability Insurance Cover?

    Public liability insurance packages by IC Insurance Solutions cover:

    Compensation Claims

    Your clients or members of the public can seek legal action against you if they get injured or their property gets damaged.

    If you are held liable, you would have to pay compensation to the aggrieved party. Public liability insurance covers the cost of all such compensation payouts.

    Legal Expenses

    Legal expense is an inevitability if someone goes to court against you. A public liability policy covers all legal expense including court fees and litigation costs, regardless of whether you are liable.

    Cost of Repairs

    If the claimant’s property was damaged or lost in the incident, you may be directed to repair or replace it. Public liability insurance covers the cost of both repairs and replacements.

     Medical Fees

    If someone gets injured during an accident in your event or on your premises, NHS might claim against you to recover the cost of hospital fees. Public liability insurance helps by compensating you for hospital expenses and medical bills.

    Who Does Public Liability Cover?

    Public liability insurance provides all-round cover against claims filed by:

    • The people visiting your business
    • Your customers and clients
    • People taking part in the activities you have organised
    • Spectators at the events you have arranged

    Request a Public Liability Insurance Quote

    About IC Insurance

    IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

    If you have got any questions or you want to obtain a free quotation, get in touch with our specialist advisors, right away. Contact our office on +441204565600 or email us on

      This form collects your name, renewal date & phone number so that we can communicate with you and provide assistance. Please check our Privacy Policy to see what we'll do with your information.