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Public Liability Insurance

  • There's no substitute for taking the greatest care of the people and property your business comes into contact with. But if a claim for damages is made against you by a member of the public, our cover gives you the peace of mind and protection you need. Buy online, and you'll also get a 10% discount.

  • What's covered by the policy?

    • Up to £10 million protection – to cover damages or costs payable.
    • 10% discount when you buy online.
    • Temporary staff covered for up to 50 working days – public liability protection for occasional employees.
    • Court attendance compensation – up to £250 paid per day if we need you to be in court because of a public liability claim.
    • 24 hour legal helpline – free confidential legal advice when you most need it.

    All policy documents are stored in an online My AXA Account, so you can access them any time at the touch of a button. And when you need us most, our award-winning claims service* is there to help you through difficult times.

    Why take out public liability cover?

    • You have visitors coming to your workplace – whether it's your home, your office or a site where you are working.
    • Your business takes you to other people's property – a public liability claim could be made against any member of your business if they accidentally cause property damage or injury.
    • A client insists your business has this insurance before they offer you any work.

    Nowadays even minor injuries and property damage can lead to major compensation charges. Where there's blame, they say, there's a claim. If one's ever made against your business by a third party, we cover your legal liability up to the cover levels you choose.

    What can I add?

    Get a quote online and you can package your public liability cover together with employers' liability and/or professional indemnity cover. You can also choose optional extras like cover for your equipment, tools and contract works. Simply start a quote, view the options and choose what you need.

  • Get up to £10,000 cover to replace or repair vital business equipment when it is lost, stolen or accidentally damaged. Items we insure include computers, mobile phone and portable electronic equipment. If you work from home, this cover can provide valuable protection – as your vital business equipment may not be covered by home insurance. And if you use your car for work, your car insurance may not cover your business equipment if it gets stolen, damaged or destroyed.
  • A good workman always protects his tools. From a simple screwdriver right up to a JCB, we can insure equipment you and your employees own up to the cover level you choose. This cover could keep you in business if the tools you rely on are stolen, lost or damaged.
  • Damage to a half-finished building could cost you a whole lot of money. If a property you're working on is damaged or destroyed before it is handed over, we will either arrange for the work you have done to be repaired or pay you the value of your work at the time of the damage. We'll also cover your materials on site, in storage and in transit.
  • Could your business afford to replace expensive equipment it doesn't even own? If something you've hired is damaged in your care, we can pay to repair or replace it under the terms of your hire conditions, up to your selected cover level. And we'll also pay for the hire fees while it's out of action, up to £25,000.
  • Accidents can happen at any time, and an injury suffered at work or outside work could really hurt your business or your family. If a principal, partner or director is injured and left unable to work, we will pay their weekly wage until they recover. If you are the person injured, we provide money you and your family could rely on. Maximum limits apply.
  • Serious injuries are things you never want to think about. But any accident – at work, on the road or on your own time – could be very costly if you or a fellow principal, partner or director of your business is left unable to work. Personal Accident pays the injured person a generous lump sum.
  • More policy information

    AXA public liability insurance for professionals:

    Policy summary

    Policy wording

    AXA public liability insurance for tradesmen:

    Policy summary

    Policy wording

  • * Following the 2011 riots in the UK’s major cities, we were recognised with a leading industry award for the quality of support we gave to affected businesses (July 2012, British Insurance Awards, Major Losses category).  

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