What's covered


Make sure you're fully protected

With cover that suits your business - not someone else's

When you get public liability insurance from AXA, you’ll have up to £5 million cover to protect your business against the compensation payments and legal costs of public liability claims.

But we know not every business is the same. So you can choose the level of cover you need – and any optional extras you want too. You can also take it on its own or as a package with employers’ liability and professional indemnity insurance.

With AXA Public Liability Insurance, you'll get

  • Up to £5 million cover for compensation payments
  • Up to 50 days’ free cover for temporary employees
  • £250 court attendance costs per day to defend a claim
  • Access to a 24-hour legal helpline

And you can choose from the following optional covers too

Employers' liability insurance

In most cases, if you have one or more employees, employers’ liability is a legal requirement. It covers your liability if an employed person is injured in the workplace or falls ill through work. You can combine this with public liability and professional indemnity – or buy it on its own if you’d prefer.

More about employers' liability insurance

Professional indemnity insurance

If a client thinks you’ve made a mistake or given them bad advice, they could make a claim against you – but we’ll protect you and cover your legal fees too. This can be combined with public liability and employers’ liability – or you can take it on its own.

More about professional indemnity insurance.

Tools, plant and equipment

If you’re a tradesman, we’ll cover you for accidental loss, theft or damage to your own plant, tools and equipment – from machinery and trailers, to tools, site huts and caravans.

Hired-in plant equipment

We can cover equipment you’ve hired to use for your business, like constructional plant, machinery, tools or site huts, in case they’re accidentally lost, damaged or destroyed in your care.

Business equipment

If you’re a business professional and you use portable equipment, like a computer or phone, in or away from your premises, we’ll give you a payment to repair or replace them if they’re accidentally damaged, lost or stolen.

Contract works

If a building or site you're working on is destroyed or damaged part way through a job, you could lose your work and materials – but we’ll cover you so you can finish the contract you’re working on.

Personal accident – capital benefits

If you or a fellow principal, partner or director under the age of 75 is involved in an accident that results in death, permanent total disability, or loss of limb or sight, we’ll give you a lump sum payment of £2000.

Personal accident – weekly benefits

If a principal, partner or director under the age of 75 is temporarily injured (for example, with a broken arm or leg) and left unable to work, we’ll pay their weekly wage until they recover.

Policy details

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

Making a claim

Public liability claims can happen to anyone. And when they do - we're here to help.