Public liability insurance
Specialist public liability insurance (including product liability insurance) from as little as £5 per month.
Fast, easy online quote in just 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £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
Do sole traders need public liability insurance?
Sole traders should consider arranging public liability insurance if they deal with members of the public or clients. If you were to accidentally injure one of your clients or a member of the public, or damage their property, having public liability insurance cover can protect your freelance business from any unexpected claims made against you.
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.
Why should I choose Markel’s insurance?
Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.