Public and product liability insurance
Specialist public and product liability insurance tailored to you from as little as £5 a 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
Do I need public liability insurance?
If you interact with clients or members of the public as part of your business' activities, you should give consideration to public liability insurance. It covers against many of the slip, trip and fall claims that have become so common, it covers the costs of defending your business against the allegation and, if unsuccessful, compensation payments that may be due to the injured party. In addition, public liability insurance covers against damage to third party property.
While it's easy to think 'it will never happen to us', the fact is that many claims are unexpected and can't be avoided. Without cover in place, your business could face financial ruin if a claim has to be settled out of your own pocket.
We offer cover from as little as £5 a month, giving you peace of mind that if a claim were brought against your business, you'd be covered.
What kind of claims does public liability insurance cover against?
Public liability insurance claims can be wide-ranging, but the most common ones include:
Slips - a customer visits your place of work (be it your office, home or a hired premises) and slips on a wet floor, breaking their arm. They are unable to work and claim against you for the financial loss they have suffered.
Trips - a client trips over a loose wire plugged into your laptop and sprains their wrist. They make a compensation claim against you.
Falls - a client falls down some stairs following a meeting and break a leg. They claim against you for the time they have to take off work and rehabilitation bills.
Damage to third party property - during a meeting, you accidentally spill a drink over a client's laptop. They claim against you for the cost of repairing it.
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 insure with Markel?
Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.
We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.
We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.
Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.