
Protection from third-party damage and injury claims
Public liability insurance protects businesses against claims arising from accidental injury or property damage. You have the same protection wherever your work takes you, whether it’s at your own premises or a client’s property.
Each business has a unique risk profile. That's why we take the time to get to know you, helping you to get everything you need from a public liability policy.
Clients we commonly work with include:
- Hairdressers
- Carpenters
- Painters and decorators
- Plumbers
- Dog walkers
- Consultants
- Builders
- Couriers
Anything from a wobbly window pane to a faulty web page could lead to a claim against you.
Policy Highlights
Compensation awards
Should you be found liable for injury or property damage, your policy can cover the costs of compensation.
Medical fees
Someone who is injured or falls ill on your property may require medical treatment. Public liability insurance can reimburse you for these costs, including calling an ambulance and hospital costs.
Cost of repairs
Putting accidental damage right can be a strain on your finances. We can cover the costs including labour and materials.
Legal costs
All claims must be defended, no matter how frivolous. Public liability can cover your legal fees to make a defence, as well as those of the claimant if you’re found to be at fault.

Why choose Howden?
Engaging a broker who knows your industry inside out can pay dividends down the line.
Our expert risk consultants can build all your liabilities into a single cost-effective policy. We can help you achieve broader cover, without paying more.
Howden secures cover from a wide range of trusted insurance providers. All the insurers we use are well respected, have extremely stable finances, and will be viable long-term.
