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Public Liability Insurance

Public liability insurance that works for you.

  • Public liability cover from £7.57* per month
  • Compare quotes from our panel of leading brands
  • Get covered and your documents on the same day
  • UK-based support 

Get a quote online, call us on 0344 892 1664 or request a callback

Our public liability cover protects you and your business should a member of the public hold you responsible for accidental bodily injury to damage to a third party, or damage to their property or bodily injury, due to your negligence. We can cover a huge range of professions, from tradesmen to cakemakers and lots in-between.

All business owners and tradespeople have a duty of care for those they work for, and to the general public at large. If things go wrong and an accident occurs, then there is the chance you may be alleged to have been at fault.

If this happens, public liability insurance will initially protect you by paying your legal defence costs. In the event that you are found to be at fault and responsible, a public liability policy will pay compensation for the damages arising from the accidental third-party bodily injury or accidental damage caused to their property, up to the limit of indemnity under your policy.

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Why choose public liability insurance with Towergate?

Trade

Insurance from £7.57* per month

Option to add more than one trade/profession to your policy.

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Range of public liability cover limits

Choose from £1m, £2m, £5m or £10m cover limits to suit your business needs.

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Legal defence costs covered

Cover for legal defence costs including any compensation you may have to pay.

Direct Debit

Pay by Direct Debit

You can choose to spread your payment into 10 monthly Direct Debit instalments.

* 20% of all new business customers buying annual tradesperson liability insurance online paid an average of £7.57 per month over 10 monthly instalments, (including premium, insurance premium tax, admin fee & interest) during the last year ending 01/09/22. For comparison only, prices vary according to your circumstances and the type and level of cover you choose. Full details of terms & conditions are provided with your quotation.

About public liability insurance

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Public liability insurance FAQs

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Public liability insurance articles

Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

Read more

What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

Read more