Public Liability Insurance

As one of the world's largest insurance brokers, we can help provide public liability insurance for your business, no matter its size helping to protect you and your business in the event of a claim.

We have decades of experience providing public liability cover to businesses like yours, rest assured that when you choose Gallagher, your company is in safe hands. We will work closely with you to fully understand your business' needs, and we'll plan, negotiate and implement a tailored, competitive public liability insurance policy which can take care of your interests, as well as support your growth plans.

What is public liability insurance?

Public liability insurance is designed to protect you and your business in the event it is found responsible for injury to or property damage of a member of the public. It's an important type of insurance to consider for businesses of all sizes, across a variety of industries.

Small business public liability insurance can help cover legal and compensation costs should your business be held responsible for injury or property damage. Public liability claims can arise as a result of several circumstances, but negligence is often the main trigger. This can be anything from a customer tripping on an uneven surface to slipping on a wet floor.

In our experience, in a society where accident claims are becoming more commonplace, having a robust public liability insurance policy in place is a must to consider.

Why do I need public liability insurance?

Whilst buying public liability insurance isn't a legal requirement, it should be considered, especially if your business interacts with the general public. In this respect the general public are not only customers, but suppliers, and even passers-by.

This means public liability insurance is bought by a variety of businesses including tradesmen, hairdressers, shop owners, café owners and beauty therapists. Since many businesses come into contact with the public at some point, it's an important consideration for all businesses to get public liability insurance.

Can Gallagher provide public liability insurance for my business?

We help everyone from sole traders and start-ups to huge multinationals, so you can rest assured we can provide public liability insurance for you too. With a tailorable programme of insurance, we can create a public liability quote just for you. And if you require our risk management expertise, we can do that as well.

How much does public liability insurance cost?

As with other types of insurance, public liability insurance costs will vary depending on a number of factors, including the type of business you run and the level of cover you select. For example, our dance teacher's insurance starts from £70* per year and you could even arrange to pay monthly.

Businesses that are perceived as riskier will usually pay a higher price for their public liability insurance. To receive a tailored public liability insurance quote, simply complete the form and we will connect you with someone who can help.

* Based on one teacher of dance (in a partner associations agreed syllabus), no previous claims, standard £5m PL

How much public liability insurance do I need?

One way to decide how much public liability cover you need is to consider factors such as the possible extent of compensation claims and how much it could cost to repair any damage.

The amount of cover you require will depend on things such as:

• Size of your business
• Level of interaction with the public
• Your claims history
• Level of risk associated with your industry

You may find some advice from the governing bodies in your particular field about how much public liability insurance cover you need, and your Gallagher insurance adviser will also be able to work out what level you might require.

Why choose Gallagher for your public liability insurance?

When you choose us, you're not only choosing a firm that has years of experience working relentlessly to offer our clients the solutions they deserve, you're choosing people who genuinely care about the businesses we help to insure.

We can offer a range of public liability insurance policies regardless of your company's size – including start-ups and sole traders.

How do I find out more about a bespoke public liability insurance policy?

If you'd like a tailored public liability insurance quote, or you'd like to find out more about how we can help you and discuss your options, simply connect with us by completing the enquiry form or call us on 0800 138 7584.