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  • What's covered?

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  • Whats 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 our 24-hour legal helpline

    And you can choose from the following optional covers too

    Employers’ liability 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.
    Professional indemnity 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.
    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.
  • Find out more

    8 reasons to choose AXA


    Why choose us?

    We think there are lots of reasons to choose AXA Public Liability Insurance. Here are eight for starters.

    Is AXA shop insurance right for you?


    Is it right for you?

    Most businesses can get covered quickly and easily online – but for some – we may need a few more details.

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    Customer Services

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    **Live chat is available Monday to Friday, 9am to 5pm. Please be aware that during busy times, there may be a short wait.

    Please note that our opening hours will change over the festive period. If you need to contact us during this time, you can see our Christmas and New Year opening hours on our contact us page.