Public Liability Insurance

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


Why choose Churchill for Public Liability Insurance?

  • Get up to £10 million cover for your business
  • 24/7 legal helpline if you need to make a claim
  • Cover for your tools and business equipment
  • Up to £10 million employers’ liability cover
  • Insure against mistakes with professional indemnity cover

What is Public Liability Insurance?

Public Liability Insurance isn’t a legal requirement, but it offers you valuable cover if someone is injured or something is damaged because of your work.  

It covers your business against expensive legal or compensation costs if a member of the public or one of your customers makes a claim against you.

Whether you’re working on-site or at a customer’s house, Public Liability Insurance can cover you if something unexpected happens.

Expensive and unexpected costs can be difficult to recover from if you run a small business, or you’re self-employed. Getting the right cover can go a long way towards protecting your livelihood.

What does Public Liability Insurance cover?

Public Liability Insurance covers you when things go wrong during your day-to day work.

Even if you take care to follow all the health and safety rules, things can happen unexpectedly that you can’t do anything about.

For example, if you’re a tradesperson, someone might trip over your toolbox and make a personal injury claim against you, or one of your staff might accidentally break a pipe that causes damage to a customer’s property.

Having Public Liability Insurance means you’re covered against claims for injury, illness or damage as a result of your business activities.

Do I need Public Liability Insurance?

Although you don’t need Public Liability Insurance by law, most public sector organisations and large companies will refuse to work with you if you don’t have it.

Any contact you have with customers or members of the public is a potential risk, so getting the right cover gives you the reassurance that you can continue to build your business even if something unexpected happens.

Tradespeople, business owners, sole traders and self-employed professionals can all face costly claims at some point in their working life that can be covered by having Public Liability Insurance.

Make your policy work for you

Tailor your cover with our optional extras

Public Liability Cover up to £10 million

Cover 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

Up to £25,000 cover if your business stock is damaged or stolen.

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

Cover your hired-in plant from damage or theft. Any one item up to £20,000 (the maximum sum insured is £75,000)

Professional Indemnity Insurance

Up to £5 million cover for 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

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