Public liability insurance

You work hard, that’s why AXA makes it easy to buy business insurance.

Accidents happen, and that means hefty compensation claims for your business when they do. AXA’s public liability insurance makes it easy to protect your business against accidental injury and property damage claims, freeing you up to concentrate on the day job.

What is public liability insurance?

Public liability insurance, sometimes referred to as general liability insurance, “PL” or “PLI”, is a type of business insurance. It protects you if a third party (such as a customer or a member of the public) makes a claim against you because they were accidentally injured, or their property was damaged in connection to your business activities.

With public liability insurance, you’ll be covered against the cost of any legal fees, the cost of compensation claims and the cost of repairing or replacing damaged property.

It’s not a legal requirement, but it can protect your business from unforeseen costs. Customers and local/public authorities (such as local councils, schools etc.) may also ask that you have it in place as part of a business agreement. They may ask you to supply a certificate of public liability insurance as proof of your coverage. 

Most public liability policies cover you whether the injury or damage happened at your premises or off-site. If your business sells products, you may also need to consider product liability insurance.

Protecting your business’ present – and future

Whether you’re a one-man band or you’ve grown to the point of having employees – AXA have got your back. And, when your business starts to grow, you can rely on us. We offer cover for:

• Micro businesses (0-12 employees)
• Sole traders
• Self-employed people
• Small partnerships
• Small companies

*10% of our customers paid this or less between January and March 2025.