Public liability insurance for small businesses
Public liability insurance provides cover for any legal costs and expenses following a member of the public’s property being damaged, or them being injured as a result of your business activities.
Lukango has partnered with Markel Direct, who underwrite and administer the policies, to make public liability insurance available to small businesses.
Those ‘oops’ moments that can happen to any of us!
Find out more about small business public liability insurance below, or click here to get a quote:
Public liability protects you if any of the these happen as a result of your business operations
A third party's property is damaged
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:
- Get tailored quotes in minutes
- Get covered and all your documents the same day
- UK-based expert support, online and on the phone
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.
Frequently asked questions about Public Liability
- How much public liability insurance do I need?
Public liability insurance is available with different levels of cover, which set the maximum amount an insurer would pay if a claim is made. There is no legal minimum level of cover in the UK, and the amounts offered can vary between insurers.
The level of cover available, and what it may be suitable for, depends on the insurer and the nature of a business’s activities. To discuss the options available and understand how they apply to your business, you can speak to Markel Direct, Lukango’s insurance partner.
- What does public liability insurance cover?
Public liability insurance is a type of business insurance that can cover claims made by third parties for injury or damage to their property that arises from a business’s activities. This can include situations such as a member of the public being injured or their property being damaged while interacting with a business.
What is covered, and any limits or exclusions, depend on the insurer and the specific policy. To understand what is available and how it applies to your business, you can speak to Markel Direct, Lukango’s insurance partner.
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