Public Liability Insurance

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Tailored public liability insurance starting from £6.07* a month.
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What is Public Liability Insurance?

Public liability insurance protects your business if a third-party claims they’ve been injured, or their property was damaged due to your business activities. Liability insurance covers the legal costs and any compensation that may be owed. It’s particularly useful for businesses that interact with the public.

While it’s not legally required, having public liability insurance is crucial. Accidents happen, and without coverage, your business could face significant financial loss. It offers peace of mind, allowing you to focus on growing your business without worrying about potential claims.

What does public liability insurance cover?

Public liability insurance protects you from third-party claims arising from your work as a business owner or contractor. For example, if you're a builder and accidentally damage a customer's driveway while unloading materials, public liability insurance helps cover the cost of compensation.

What’s included?
  • Legal liability for costs (up to £10m) due to: injury, property damage, trespass, nuisance, wrongful arrest.
  • Damage to employee/visitor property on your premises due to negligence.
  • Defence costs for health and safety violations.
  • Court attendance costs (£300 per day).
What’s not included?
  • Damage to your own property.
  • Employee bodily injury (covered by Employers Liability Insurance).
  • Dishonest, deliberate, or malicious acts.
  • Poor workmanship (covers damage, not the faulty work itself).
  • Fines and penalties.
  • Asbestos-related claims.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download full policy wording
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Insurance built around the needs of the UK’s small businesses

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Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Who needs public liability insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.

Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

How much does public liability insurance cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

The cost of public liability insurance can vary depending on factors like the size of your business and the level of coverage you need. Larger businesses or those with higher risk may pay more for comprehensive protection, while smaller businesses typically pay less.


At Admiral Business, prices start from just £6.07* a month, making it an affordable option for businesses of all sizes.

How much public liability cover will 
I need?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

The amount of public liability cover you need depends on the nature of your business and the risks involved. Typically, cover amounts range from £1 million to £10 million, with many small businesses opting for £2 million as a standard level of protection. 



However, higher-risk industries such as construction or tradespeople working on large contracts may require more.

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Public liability FAQs

*£6.07 is the price for a Public Liability policy for a single carpenter with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.