Public liability insurance

Stay covered against unforeseen incidents with trusted public liability insurance.

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Keeping your business secure with public liability insurance 

Public liability insurance provides protection for claims by members of the public for injury, loss of, or damage to their property, which occurs as a result of your business activities. Public liability insurance should be taken out by any business that deals directly or indirectly with the public, as accidents can happen despite our best efforts.

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Why Choose Public Liability Insurance?

Public liability insurance covers against third-party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property.

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At Howden, we can arrange public liability cover and other essential insurance solutions,

Event insurance

Land Liability insurance

Public Liability for property owners

Limits available on Public Liability up to €13m

Tradesman Liability insurance

Management Liability

Residents Association Liability

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Why choose Howden

Engaging a broker who knows your industry and takes the time upfront to truly understand your business can result in more comprehensive cover at a highly competitive price that covers all the third-party risks you face .Whatever your size or sector, we’re by your side when you need us most.

What other types of insurance might my business need?

Public liability insurance isn't the only form of business liability insurance, and there are many other optional policies you can also take out to protect what's yours. Whilst some are a legal requirement, others don't need to be bought, but could be beneficial depending on the industry your business trades. Here are some other types of business insurance

Combined liability insurance

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Business interruption insurance

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Cyber insurance

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Frequently asked questions

Public liability insurance is a type of insurance that protects your business against claims made by members of the public for injury, illness, or damage to their property caused by your business activities. This insurance covers legal costs and any compensation payments that may be required if your business is found liable. It's essential for businesses that interact with the public, as accidents can happen despite the best precautions. Public liability insurance ensures that your business is financially protected in such events.

On the surface, the answer to this question seems pretty simple; pretty much all businesses need public liability insurance. Any business that deals with other people needs to protect themselves from third-party public liability claim.

As public liability insurance policies are only one type of business insurance, they aren't able to cover all aspects of business-related accidents and incidents. For instance, you’ll typically find that the following is not covered under public liability insurance:

  • Accidents to you
  • Accidents to your employees
  • Damage to employees' possessions
  • Damage to your own business premises
  • Claims of fault with your work

All in all, it’s important to know exactly what your public liability insurance covers, so to avoid any nasty surprises, we advise identifying the extent of potential compensation payments and claims that your business may be vulnerable to and getting in touch with an insurance broker such as Howden who can help you fulfil your insurance needs.