Compare public and employers’ liability insurance

Public and employers’ liability insurance covers you if anything happens to staff or customers on your premises. Compare policies to protect yourself from compensation or legal claims.

  • Get quotes to ensure your business against legal claims
  • Choose your extras
  • Get quotes in under five minutes

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How to compare public and employer's liability insurance

1

Tell us about your business

Simply enter information about what you need covered. By providing accurate details, we can help signpost the right public and employers’ liability insurance for your business.

2

Compare your options

A cheap insurance deal might catch your eye, but check the terms of the cover to ensure that it matches your business needs and that you’re properly protected.

3

Apply and save

You usually have the choice of making monthly or annual payments, but policies tend to be cheaper if you pay up front. Once you’ve decided on the supplier, just apply for the cover.

Why do you need public and employers’ liability cover?

Public liability insurance is essential for any business because it covers expensive claims made against you if injure a third party or damage others’ property during your work.

You may also be legally required to get employers’ liability cover if you have:

  • permanent or temporary paid staff

  • contracted, casual or seasonal staff

  • labour-only subcontractors

  • interns or apprentices

  • volunteers

  • people on work experience placements

What insurance does your business need?

How does cover work?

While you can get separate cover for public and employers’ liability, it is usually cheaper to get a combined policy. This is how the two types of cover work:

  • Public liability: covers the injury, illness or death of third parties or damage to their property. It only covers claims where you are at fault

  • Employers’ liability: covers injury, illness or death of your employees while they are at work. You are legally required to have at least £5 million worth of cover if you have paid or voluntary staff

Different types of business insurance explained

How to find the right policy

Use this comparison to get as many online quotes as possible to find the best policy. The right one for you is one that offers the cover you need at the cheapest price. 

Most policies offer £10 million of cover for employers’ liability, but you can choose different limits for public liability – between £1 million and £5 million. What you need depends on how high-risk your business activities are. 

If you are unsure what level of cover you need, use this comparison to contact an insurance broker who can help you determine the right amount.

Public and employers' liability FAQs

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Why get business insurance with money.co.uk?

By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 27 May 2022