Enquire Business Insurance
Public Liability
Protection When Your Business Affects Others
Protection against covered legal liabilities to third parties — injury to the public, and accidental damage to their property.
03
Cover options
29
Underwriters
24/7
Claims support
Quick overview
It covers your legal liability to third parties — the public, customers, and visitors — for injury or property damage caused by your business or on your premises, along with the cost of defending the claim.
Why it matters
Why Is It Important?
Even an unexpected accident can result in substantial compensation claims and legal costs. Public Liability Insurance helps businesses manage covered third-party risks and continue operating with greater confidence.
Your business meets the public every day
Customers, visitors, suppliers, and passers-by all come into contact with your premises and activities. An accident involving any of them can turn into a compensation claim against your business.
What can be covered
Depending on the policy, protection applies to covered claims involving injury to members of the public, accidental property damage, and legal liability arising from your business activities.
Who it's for
Who this cover is for
- Shops, supermarkets, and malls
- Restaurants, bars, and hotels
- Offices open to clients
- Contractors working on third-party sites
- Event organisers and venues
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Third-Party Injury
Covers compensation for bodily injury to customers, visitors, and members of the public caused by your business.
02
Third-Party Property Damage
Covers damage to property belonging to others arising from your activities or premises.
03
Legal Defence Costs
Covers the cost of defending a claim, including where the claim is ultimately unsuccessful.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
personal_injury
Injury to the public
A customer or visitor injured on your premises or by your activities.
broken_image
Property damage
Accidental damage to property belonging to a third party.
location_on
Away from your premises
Injury or damage you cause while working at a client or public location.
gavel
Legal defence costs
The cost of defending a claim, including one that does not succeed.
Key benefits
What you get with the cover
Premises and away-from-premises
Cover applies at your own site and at client or public locations where you work.
Defence costs included
The insurer funds the legal defence, even for groundless claims.
Meets contract requirements
Commonly required by landlords, event organisers, and tender processes.
Flexible indemnity limits
Choose a limit that reflects the scale of the public your business deals with.
Cover details
Cover limits
The figures and conditions below are typical and vary by insurer and by the extensions on your policy.
Limit of Indemnity
Set the limit to your exposure to third-party claims for injury and property damage — the more people and property your business deals with, the higher it should be.
Any One Accident
The most the insurer will pay for a single accident, however many people are injured or items are damaged.
Any One Period of Insurance
The most the insurer will pay in total for all accidents during the policy year.
Exclusions
What's not covered
Injury to your own employees (covered under WIBA / employers' liability)
Damage to property in your own custody or control
Liability assumed under contract beyond common law (see contractual liability)
Deliberate or reckless acts
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- Business registration documents
- Description of business activities
- Business location
- Estimated turnover
- Number of employees where applicable
- Details of premises and operations
If a member of the public is injured or their property is damaged, record the details and any witnesses, avoid admitting liability, and notify Cush immediately.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Third Party
Any person or organisation other than you or your employees who suffers injury or loss.
Indemnity Limit
The maximum the insurer will pay for any one claim, or in total during the policy period.
FAQ
Frequently asked questions.
The essentials on public liability — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsHow is this different from employers' liability?
Public liability covers claims by customers and the public. Employers' liability covers claims by your own employees for work-related injury.
Does it cover work I do on a client's site?
Yes — cover normally extends to injury or damage you cause while working away from your own premises.
What indemnity limit do I need?
It depends on your footfall, your activities, and any contractual minimums. Your advisor will help you set an appropriate limit.
Flexible cover
Limit set to your exposure
The right limit of indemnity depends on your footfall, your activities, and any contractual minimums. Our team helps you set it and check it against your lease and contracts.
More Business Insurance Enquire 
Enquire Enquire
Related cover
Enquire Enquire Business Insurance
Goods in Transit (GIT)
Protect Your Goods While They Are on the Move
Enquire Business Insurance
Workplace Injury Cover (WIBA)
Protect Your Employees. Protect Your Business.
Ready When You Are
Why Get Public Liability Through Cush?
We help you set an indemnity limit that matches your real exposure, check it against your lease and contract requirements, and compare terms across trusted underwriters. Protect your business from unexpected third-party liabilities with Cush Insurance Agency.