Public Liability
What Is Public Liability Insurance?
21 January 2026
2 min readPublic Liability Insurance is a form of cover that protects against the risk of claims and lawsuits. Specifically, it provides cover in the event that a member of the public suffers an injury, financial loss or damage to their property as a result of your business activities.
While Public Liability Insurance is not compulsory by law, it is highly recommended and is often a key requirement of a franchise agreement if you contract into a larger company or public sector organisation.
For example, if you drive a taxi or a minibus for education purposes, your local council will almost certainly require you to take out Public Liability Insurance. Alternatively, if you are a shop or restaurant owner, this Insurance provides your business with a vital layer of protection if, for instance, a member of the public were to slip or fall while on your premises.
For more information or a quote, visit our Liability Insurance page.
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