Compare public and employers' liability insurance

Public and employer's liability insurance covers you if anything happens to staff or customers on your premises. Compare policy options to get protection from compensation or legal claims.

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Best Newcomer: Insurance Choice Awards 2019
Superscript Business Insurance
Policies for
IT & Tech, Marketing, Consultants, Trades, Healthcare workers, Creatives & more
Cover options
Buildings, contents, professional indemnity, cyber, D&O, legal expenses & more
Liability options
Public liability up to £5,000,000 & employers' liability up to £10,000,000
Award-winning business insurance for today's risks (Best Newcomer at the Insurance Choice Awards 2019). Pay by month. Adjust your cover as you grow. No admin fees. Immediate access to your policy docs. This is business insurance on your terms.
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Permanent UK Resident
Premierline Business Insurance
Policies for
Tradesman & contractors, Shops & retailers, Offices, Surgeries & more
Cover options
Buildings, contents, business interruption, professional indemnity & more
Liability options
Public & employers' liability up to £10,000,000
Premierline works with some of the UK’s most trusted insurers. Compare and buy insurance online or alternatively, speak to an advisor over the phone for insurance recommendations based on your individual circumstances and requirements.
This is an insurance broker.
Eligibility
Available online
Permanent UK Resident
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Bionic Business Insurance
Policies for
Shops, Restaurants, Pubs and Hotels, Property Owners, Tradesmen and Construction, Offices & more
Cover options
Buildings, contents, legal expenses, business interruption, goods in transit and commercial property
Liability options
Public & employers' liability up to £10,000,000
Bionic works closely with a range of insurers to find cover that meets the unique needs of your business. We’ll help you understand exactly what your policy includes and translate it into simple language. No hidden extras. No jargon. Just quality cover.
Eligibility
Available online
Permanent UK Resident
92% 5 Star Customer Rating – Independent Feefo Reviews
Compare My Insurance Business Insurance
Policies for
Tradesman, Construction, Offices, Professionals, Shops, Cafes, Gyms and more
Cover options
Buildings, Contents, Legal Expenses, Business Interruption, Goods in Transit, Public Liability, Employer’s Liability, Commercial Property
Liability options
Public & employers' liability up to Unlimited
As an Online Broker, they compare AXA through to Zurich – offer the most competitive rates and INSTANT COVER. Business Insurance for; Shops, Offices, Restaurants, Gyms and all businesses - ensuring you have a suitable policy, at the right price!
Eligibility
Available online
Permanent UK Resident
10% discount when you buy online - T&Cs apply
AXA Business Insurance
Policies for
UK micro business, sole traders, self-employed, tradespeople, professionals, retail & more
Cover options
Contents, employers’ liability, public liability, professional indemnity & more
Liability options
Public liability up to £5,000,000 & employers' liability up to £10,000,000
With AXA Business Insurance, you only pay for what you need. Guided quotes make it easy to tailor our insurance to fit the work that you do. Start protecting your business today and get a 10% online discount. T&Cs apply.
Eligibility
Available online
Permanent UK Resident

Compare another type of business insurance

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 third parties are injured by your work.

For example, if a passer-by is hurt or their property is damaged by your work tools.

You may also be legally required to get employers' liability cover if you employ:

  • Permanent and temporary paid staff

  • Contracted, casual or seasonal staff

  • Labour-only subcontractors

  • Interns or apprentices

  • Volunteers

  • Work experience placements

Here is more information about what insurance your business needs

How does cover work?

  • Public liability insurance covers injury, illness and death of third parties, or damage to their property. It only covers claims where you are at fault, like not keeping your business premises tidy, which causes a customer to trip over.

  • Employers' liability insurance covers injury, illness and the 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 working for you.

While you can get separate cover for public and employers' liability, it is usually cheaper to get a combined policy.

Here are the different types of business insurance explained

How to find the right policy

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

Most policies offer £10 million cover for employers' liability, but you can choose different limits of cover for public liability. Insurers offer limits 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 is best for you, use this comparison to contact an insurance broker who can help you work out what you need.

Public and employers' liability FAQs

Yes, but it might be more expensive to take out separate policies. Get quotes for combined insurance and separate policies, to see which is cheapest.

You will have to pay an excess if you make a public liability claim, but not if your claim is for employers' liability.

Yes, public liability and employers' liability insurance extends to cover business activities off site.

No, unless you have failed to meet your duty of care to members of the public or your employees, a valid claim cannot be made against you.

Yes, it covers temporary and seasonal staff, and full time and part time workers. It also covers volunteers, interns and work experience placements.