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Public liability protects you if any of the these happen as a result of your business operations

Injured Injured

A third party is injured

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A third party's property is damaged

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What is public liability insurance?

Public liability insurance covers your small business in the event of a claim being made against it by a member of the public following an incident at your business premises.

Claims can come from customers, contractors and members of the public and other third parties, and your policy can cover against claims for injury, illness and property damage.

Get public liability insurance for your small business from Lukango and:

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Do I need public liability insurance cover?

We love interacting with our customers and clients! Meeting the small businesses that we protect with insurance in meaningful ways helps figure out what they need from us.

When your business is engaging with people in public you should consider public liability insurance. You don’t need insurance when you are interacting with your customers and building your brand across social channels. But, having Public liability insurance, even if it ISN’T a legal must have, gives you some useful protection if your business interacts with not just customers but also third parties - like members of the public just passing by.

There are some circumstances where your business needs to have Public liability insurance in place. If your clients or suppliers insist on you having some level of cover before you start working with them, do make sure you get some.

Public Liability

Frequently asked questions about Public Liability

  • How much public liability insurance do I need?

    As there is no legal requirement to have public liability insurance, there is no legal limit on how much cover you should have in place.

    With Markel Direct, you can choose the amount of cover you have - £1m, £2m or £5m.

    The lower the level of cover you have, the lower your premiums will be – but a lower cover limit can also leave you at risk if a large claim is made against your business.

  • What does public liability insurance cover?

    Public liability offers protection for your small business against slips and trips, or property damage of a third party who comes into contact with your business.

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