Public liability insurance protects your business in the event of third-party claims for injury or property damage, typically arising from accidents or injury on your premises or as a result of your business activity. A customer may slip on a wet floor in your shop and injure themselves or their property might get damaged. If they make a claim against your business, public liability insurance would cover the legal costs and any potential compensation payments. Therefore, while not always legally required, it can act as a safety net, protecting your business from unforeseen events.


Liability Insurance is crucial, especially if you are running a business with footfall, selling products, employ staff or own the business premises.It provides financial protection against claims that might arise due to accidents or injuries occurring on your premises or due to your business operations, ensuring that your business can withstand unexpected financial demands related to legal costs and compensation claims, and importantly, it helps in building trust with both customers and staff, demonstrating that you are a responsible professional who has undertaken necessary measures to safeguard everyone connected to your business.


As a business owner, you should consider securing liability Insurance as soon as you start trading, as it covers your legal liability to pay damages to members of the public for death, injury or damage to their property, which can occur unexpectedly during business activities; it's crucial to remember that while it's not a legal requirement in the UK, certain industries may necessitate it, and it's often seen as essential by clients/customers, thus it's always advised to seek adequate cover from day one.


Choosing Reliant Risk Management for your insurance requirements is a smart move that comes with a rage of benefits.

  • Comprehensive cover: Reliant Risk Management provides a wide range of cover  including public, employer’s, product and property owners liability Insurance in the UK. This ensures that you, your employees, your products, and your property are all covered under one trusted brand.
  • Bespoke solutions: every business is unique, we offer tailored policies to best suit your individual requirements. Whether it’s for public, employers, product, or property owner’s liability, we ensure your specific needs are met with precision.
  • Expertise and experience: with years of experience and expertise in the insurance industry, Reliant Risk Management offers a reliable and efficient service to help you manage risk with ease and confidence.
  • Excellent customer support: our dedicated team of professionals provides prompt and efficient support. From answering your queries to handling your claims, we are always here to assist you.
  • Trustworthy: Reliant Risk Management has built a strong reputation in the UK insurance market, marked by integrity, excellence, and reliable customer service.

In trusting Reliant Risk Management with your liability insurance, you are opting for a broker that is committed to protecting your assets and investments in the likely event of a claim.


Our public liability insurance offers comprehensive cover, designed to protect you from financial loss in the event of a claim made against you due to property damage or bodily injury to a third party as a result of your business. The cover extends to legal costs and any compensation or settlement amounts you may be liable to pay. We also cover for work away from your premises adding an additional layer of protection. Our cover is designed to protect against unforeseen events and safeguard your business, ensuring that you can continue to work with peace of mind. Importantly, our public liability insurance can be tailored to your unique business needs, providing the exact level of cover you require. At Reliant Risk Management, we understand that every business is unique and our insurance solutions reflect this.


Determining the necessary level of public/product liability cover depends on various factors including the nature of your work, the risk and the potential cost of a claim. Typically, the level of cover ranges from £1 million through to £10 million, with the higher end more applicable for larger businesses or those involved in high-risk sectors. Employer liability comes as standard with £10 million cover which is adequate for most businesses.

Liability Insurance FAQs

While it’s not a legal requirement, certain professions may require it. Additionally, it is highly recommended due to its protection against claims of property damage or injury caused by your business.

No, Public Liability Insurance typically doesn’t cover employees. To protect your business from claims related to employee injuries or illnesses, you should consider taking out Employers’ Liability Insurance.

Yes, even if you operate your business from home, you may still interact with clients or provide a service where there is a risk of injury or property damage, hence Public Liability Insurance is still beneficial.

Public Liability Insurance typically doesn’t cover claims arising from professional advice. In this instance, you should consider Professional Indemnity Insurance, which protects against claims made for losses as a result of professional advice or services.