Public Liability Insurance

Protection for your business. £1 million of public liability cover included as standard.


Who needs Public Liability Insurance?

Our Public Liability Insurance covers tradesmen, self‐employed professionals, and small businesses against compensation claims.

Public Liability Insurance protects you if you deal with customers or other members of the public.

It covers your compensation costs if someone is injured or their property is damaged because of your business activities.

Not all accidents can be avoided, but getting covered can help you deal with the stress and financial strain that comes with legal action.

Churchill offers you £1 million Public Liability Insurance as standard, with options to increase it to up to £10 million. 

What do Churchill’s Public Liability Insurance policies cover?

Our standard policy comes with £1 million of public liability cover.

If you need to make a claim you get access to our free 24/7 legal helpline and your own personal claims handler.

Churchill's Public Liability Insurance covers you if:

  • Someone is injured tripping over your toolbox
  • You spill a cup of coffee on a client’s computer while visiting their office

Our insurance helps you cover the cost of:

  • Compensation claims
  • Repairs
  • Medical fees

You can add to our standard Public Liability Insurance by choosing from a range of optional extras to ensure you have a policy that works for you and your business.

Make your policy work for you

Tailor your cover with our optional extras

Public Liability Cover up to £10 million

Protection against claims for injury or property damage by clients or members of the public. You can increase our standard cover to up to £10 million.

Employers’ Liability Cover

The law states you must have Employers’ Liability Insurance if you hire anyone, including apprentices. Add up to £10 million cover to your policy.

Find out more about Employers Liability cover

Tools and Business Equipment Cover

You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.

Find out more about tools and business equipment cover

Personal Accident Cover

Insure named people in your business, aged 16‐75, against personal accidents. Add death benefit up to £10,000 (weekly benefits up to £250).

Business Stock Cover

Protection if your business stock is damaged or stolen, with cover up to £25,000.

Contract Works Cover

Get up to £750,000 cover for work that’s underway on a site. It can cover the cost of repairing or re-doing the work that’s in progress if it’s damaged by an insured event like fire or flooding.

Own Plant Cover

£75,000 cover if your own plant is damaged or stolen. It includes temporary buildings and site huts.

Hired-in Plant Cover

Protect your hired-in plant from damage or theft. Get cover for any one item up to £20,000 (the maximum sum insured is £75,000)

Professional Indemnity Insurance

Up to £5 million protection from compensation claims if you make a mistake that damages your client's reputation or costs them money.

Find out more about Professional Indemnity

Treatment Liability Cover

Cover for health, beauty and wellbeing treatments. It protects against claims for death, injury, and damage to a third-party property.

Find out more about Treatment Liability

Expert guidance for your business

Business is confusing enough without having to worry about risks, rules, and regulations.

When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.

That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.

What’s Churchill Business Navigator?

Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.

It has a wide range of tools and resources to help you manage risk in your business 24/7.

The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.

You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.

Get into the detail

Making a Public Liability Insurance claim

If you need to make a claim, make sure you:

  • Understand your policy, so you know what is and what isn’t covered - if you’re not sure, call us as soon as you can.
  • Keep records of accidents, risk assessments, and equipment you've bought - we might need to see evidence to help your claim
  • Contact us straight away, because your policy could have a time limit for making a claim.
  • Tell the police about a theft, malicious damage, or lost property.

You can count on Churchill to look after your business and settle all genuine claims as quickly and as fairly as we can.

Make a public liability claim

Policy documents

You can read our Tradesman and Professionals policy documents below.

These are standard documents that might be different to the ones we sent when you took out your policy.

Log in to your account to find your individual policy documents.

Need some help?

Visit our help and support page for answers to common questions or to contact us if you want to talk to someone. 

Help and support