Is Public Liability Insurance top of your list?

For most businesses, public liability insurance in a vital piece of cover – although many people don’t know what exactly it includes or if they actually need it. Here at Todd & Cue, we have put together a guide to public liability insurance, so you can understand everything you need to know about it!

Is public liability insurance a legal requirement?

This form of insurance coverage is not actually compulsory by law, but many businesses decide they need it as they would rather not take the risk! Compensation costs can be deadly to a business.

What does public liability insurance cover?

A comprehensive public liability or product liability policy provides cover for claims of bodily injury or other physical injuries, personal injury, advertising injury and property damage as a result of your products, premises, or operations. As a safeguard against liability, the policies allow you to continue your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing. Public Liability policies also provide cover for the cost to defend and settle claims.

Who needs public liability insurance?

You may decide your business needs public liability insurance because you come into contact with third parties in one or more of these ways:

  • A customer visits your premises, for example, if you owned a shop or restaurant etc.
  • You work on clients sites, for examples you’re a tradesman.
  • You work in public, for example, you’re a builder, and your work could potentially cause injury or damage to someone passing by

I work from home, do I need public liability insurance?

If you have clients coming into your home for consultations or even to collect orders then it is definitely worth considering this type of insurance. Even though it might not seem necessary, you wouldn’t want to risk someone hurting themselves in your premises.

Get a quote for your insurance policies today!

We hope that you have enjoyed this informative article on public liability insurance. Todd and Cue strongly recommend that you this insurance to give you peace of mind over your business. If you have any other questions and queries regarding this form of insurance or wish to get a free quotation for this premium please do not hesitate to contact us 0191 482 0050 or email

Todd & Cue has grown consistently over the years, primarily through client recommendation, to become one of the UK’s leading independent insurance brokers and risk managers. Total client focus, with excellence in all aspects of service coupled with our growing buying power ensures that you will receive competitive insurance premiums and a true value for money service resulting in a complete and cost effective package.

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