What is public liability insurance?

Buying business insurance can be confusing when you don’t speak the language. You just want to know what things mean, and if you need them to protect your business.

What is public liability insurance?

Public liability insurance is the cover you need to protect your business if someone makes a claim related to injury or property damage in your workplace/places you carry out work – or because of work you’ve carried out.

It’ll protect your business against damage and the cost of legal claims people may make against you, if you’ve done something that’s resulted in injury to a member of the public or damage to their property.

What type of businesses need public liability insurance?

Ask yourself some questions:

  • Does your business provide a service or undertake a trade?
  • Do you interact with the public, in any way, as a company or sole trader?

If so, then this type of insurance should be on your radar.

From tradesmen to self-employed entrepreneurs, shop owners to professionals, we’ve supported hundreds of small businesses to protect themselves against legal claims.

When would I need public liability insurance?

Accidents happen, no matter how careful you are. But did you know that many customers require you to have public liability before they sign a contract with you? With AXA, you’ll get proof of your public liability cover – so you can show it whenever you need to.


What's covered?

Need some more guidance on what you’ll get with public liability insurance? Take a look at our what’s covered guide for public liability insurance.

Public liability

Discover how Public Liability Insurance protects you, your people and business.