Public and product liability insurance
Specialist public liability insurance (including product liability insurance) from £5 per month*.
Fast, easy online quote in just 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at £5 a month
Frequently asked questions
Is public liability insurance a legal requirement?
Public liability insurance isn’t a legal requirement for businesses,. However, the costs of mounting a legal defence in the event of a claim, plus the possibility of paying damages or compensation, can be extensive and very damaging to smaller operations. Having this type of cover in place can be the assurance you need for working with clients and members of the public.
You may also find that clients or organisations you work with require you to have public liability insurance in place before you can start work
I need public liability insurance to start work straight away - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
What limit of cover should I choose?
Some clients may require you to have a certain amount of public and product liability insurance cover before entering into a contract with you - for example, if you are working from a client's offices or hiring a premises for your activities. You may want to check if this is the case when choosing your limit.
If this isn't the case, give some thought to a worst case scenario and the likely costs involved with not only defending the allegation, but also the compensation you would have to pay to put your mistake right. We offer limits ranging from £1m to £5m, so you are sure to find the right cover for your business' needs.
Does public liability insurance cover my business for the actions of my employees?
If an employee was responsible for accidentally injuring a member of the public or damaging their property during the course of their work, public liability insurance could protect your business against claims that may be brought against you.
However, it’s important to understand that public liability does not cover you if an employee makes a claim against you. In this case, you would need employers’ liability insurance.
Is public liability insurance tax deductible?
Yes, public liability insurance is tax deductible as it is deemed an ‘allowable expense’. This means that you can deduct the cost of your premium when calculating your taxable profit.
What’s the difference between public liability and employers’ liability insurance?
Public liability covers you for personal injury and property damage claims made by members of the public. Employers’ liability, on the other hand, protects you against claims brought against you by your employees.
What’s the difference between public liability and general liability insurance?
General liability is a broad term that is usually used in the United States. It is used to describe commercial insurance policies that protect against injury, illness and property damage. In the UK, the terms ‘public liability insurance’ or ‘product liability insurance’ tends to be used instead.
Why do charities need public liability insurance?
Public liability cover can offer financial protection to charities in the event that someone files a claim for injury or property damage against them. If a charity is found to be negligent, this important type of charity insurance is designed to cover the costs of compensation and legal fees.
You can find out more on why public liability insurance is important for charities here in our guide.
Do self-employed people need public liability insurance?
As a self-employed worker, your business may not revolve around members of the public so much as it does your clients or colleagues. But if any aspect of your job involves hosting people – whether that’s in your home, an office building or at a shared workplace - business public liability insurance is an important consideration.
Having public liability insurance in place for your business ensures that you’re covered if the worst should happen. For clients and customers alike, it’s the best way of demonstrating that you’re serious about maintaining a positive professional relationship.
How can I check a public liability policy meets my needs?
Public liability insurance policies can vary a lot so public liability insurance policy wordings tend to be very comprehensive. Before going ahead with buying your insurance, it’s worth checking the details to ensure that the policy meets your requirements. You can read the policy wording by downloading the policy document just above on the right under ‘Policy Documents’. You’ll be able to see what exactly is covered, limits of cover and compensation and any policy exclusions.
As mentioned above, if you’re purchasing public liability because you’re required to have it as part of a contract, double check the contract to ensure that the level of cover you’re purchasing meets the level of cover your client has specified.
If public liability insurance isn’t required by a client, but you’re purchasing it to protect your business, think of a worst case scenario and how much that would cost. By doing this, it will help you to judge the level of cover you may need.
If you have any questions about what our public liability insurance covers, please don’t hesitate to get in touch.
How are Markel regulated?
Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.