What’s covered by public liability insurance?

Protect your business from public liability claims

Accidents happen – and so do compensation claims. Your business can be protected against third party accidental injury and property damage claims.

Here’s what you’ll get with AXA’s public liability insurance:

What it will cover:

What it doesn't cover:

  • Up to £5 million cover for compensation payments
  • £250 court attendance costs per day to defend a claim
  • Access to a 24-hour legal helpline
  • Legal costs of up to £1 million for claims of accidental bodily injury, loss or damage to third party material property, or wrongful arrest in connection with the business
  • Legal costs/expenses of up to £1 million in connection with alleged breach of statutory duty under health and safety, consumer protection or food safety legislation
  • Legal costs in connection with criminal inquiry into manslaughter/corporate manslaughter, culpable homicide or corporate homicide
  • Design, advice and treatment exclusion
  • Bodily injury to an employed person
  • Damage to property you own, or that’s in your control

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Customise with add-on cover:


Employers' liability insurance

Even if you’ve only got one employee, this may be a legal requirement. It’ll cover your liability if staff are injured in the workplace or fall ill through work.

Professional indemnity insurance

Client think you’ve made a mistake, or given them bad advice that’s caused a financial loss? We’ll protect you and cover your legal fees.

Tools, plant and equipment

If you’re a tradesman, we’ll cover accidental loss, theft or damage to your own plant, tools and equipment

Hired-in plant equipment

Cover for equipment you’ve hired to use in case it’s accidentally damaged or destroyed in your care.

Business equipment

Use portable equipment like a laptop or phone? Repair or replace them if they’re accidentally damaged or stolen.

Contract works

Cover for accidental or malicious damage on construction projects to help you recover costs and start working again.

Personal accident: capital benefits

Lump sum of £2000 if you, or a key partner under 75, suffers an accident that causes death, permanent disability, loss of limb or sight.

Personal accident: weekly benefits

Weekly benefits for a key partner (under the age of 75) who’s temporarily injured and unable to work, paid for up to 104 weeks.

Employers’ liability insurance

Covers you against work-related injury or illness claims from employees. And in most cases, if you have someone working for you, it’s required by law.

Professional indemnity

Protects you from compensation payments and defence costs if a client thinks you’ve made a mistake or given bad advice and makes a claim against you.

Need to make a claim?

Before you do, call us on 0345 600 2715 or e-mail liability.claims@axa-insurance.co.uk

Policy details

Find out more about our public liability insurance cover in our policy summaries and policy wordings.

Public liability

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