Skip links

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.

Request a Quote

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

About IC Insurance Solutions

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 +441204540897 or email us on

Request a Public Liability Insurance Quote

Give us a call or drop by anytime, we endeavour to answer all inquiries within 24 hours on business days.

We are open 9am — 5.30pm from Monday till Friday. Alternatively fill out our form and we will get back in touch with you ASAP.

This form collects your name, email & 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.