Public Liability Insurance

Public liability insurance covers the legal liability of your business to pay compensation to members of the public for death, injury or damage to their property, which arises in the course of your business. It also covers legal fees, costs and expenses such as representation at any coroner's request, fatal accident enquiry or other court hearing because of an accident.   Whilst it is not legally compulsory, it is essential insurance for any business – large or small.

When deciding the amount of public liability insurance you need (the limit of indemnity), you should consider the maximum claim that could be made against you.  By their very nature, some businesses will require higher limits than others.  For example, if you are a plumber or a builder involved in carrying out heat work at customers' premises and cause a serious fire that spreads to neighbouring premises, the claim for damages could run to millions of pounds

Direct Insurance is one of the leading UK insurance brokers offering Insurance for public liability across many different sectors and all company sizes.  We take a consultative approach, understanding your business and therefore your requirements to ensure the right policy is provided.