Public Liability Insurance

Public Liability Insurance

Public liability insurance is an essential cover for most types of business.

Whether the business you own or run is small or large, you need public liability cover. It will protect your business against claims for damage or injury caused to an individual or to property whilst on your business premises. You will not be covered by public liability cover if an accident happens to you, your property or someone who you employ.

Our core Public Liability Insurance covers:

  • Liability up to 10 million
  • Temporary employee cover
  • Damage to Property
  • Injury to third parties.

How Does Public Liability Cover Protect You?

Public liability cover will protect you in the event that a customer or third party claims for compensation against you due to injury or damage to a person or property whilst on your premises or as a direct result of your activities as a business.

For example, a customer walks into your shop, trips over a cable and breaks their ankle. The injured customer is now in a position where they can sue your shop because their injury was caused as a direct result of your activities as a business and or negligence by an employee.

Having good public liability cover ensures that NHS medical costs, compensation payments and any legal fees related to the claim will be covered by your insurance company. Without public liability cover you could have to pay out on the whole claim which could have a negative effect on a small business.

Most insurers will offer cover starting from £1 million. If you are operating as a business in an industry which is deemed by insurers to be of higher risk then you may require more cover. Public liability cover for small to medium enterprises quite often has a limit of £10 million. Choosing your limit is very important as being under-insured can sometimes be as bad as not having any insurance at all.

You can do everything right as a business, but even then the chance of a customer having an accident is always there and you need to be protected.

Trident insurance will make sure you get the right cover for your business. This way you can operate, as a business, with peace of mind knowing that you will be protected should a customer need to file a claim against you.

You may also be interested in …


Associated Trades and Occupations

  • Abseiling Contractors
  • Accountants, Auditors and Actuaries
  • Acoustic Consultant
  • Acoustic Engineers
  • Adhesives, coatings, paints, resin and sealants manufacture
  • Aerial Installers
  • Aerial Erection by Rope Access
  • Aerial Sat. Dish Erection only
  • Aerobic fitness dance or personal trainers
  • Agricultural Contractors
  • Air Conditioning
  • Alarm and CCTV Installers
  • Architects, Surveyors & Draughtsmen
  • Artist, Sculptors and art studios
  • Astroturf and Sports Surfaces Installation
  • Audio Visual equipment installation and repair
  • Automatic door and access control installers
  • Banksmen
  • Bath resurfacers
  • Bathroom installers
  • Beauticians
  • Bedroom Furniture Installers
  • Bicycle sales and repair
  • Blacksmiths
  • Boat Builders
  • Boatyard mechanical engineers & boat repairers
  • Boiler services
  • Brick and Tile manufacture
  • Bricklayers
  • Builders
  • Butchers
  • Cabling contractors excl. trenchless street cabling
  • Cafes and tearooms
  • Cake makers
  • Car Valeters
  • Car Wash
  • Caravan repair and servicing
  • Carpenters
  • Carpet and Upholstery Cleaners
  • Carpet Fitters
  • Cavity Wall Insulation
  • Ceiling Installers
  • Cement pouring
  • Charities
  • Chimney Sweeps
  • Civil Engineers
  • Cleaners
  • Clerical admin & non-manual managerial
  • Commercial kitchen and kitchen equipment installers
  • Computer and IT consultants
  • Computer IT install / repair
  • Concrete pourers Y
  • Concrete Repair, Drilling & Sawing
  • Coning contractors / traffic flow
  • Conservatory and porch erectors
  • Construction Plant Repairers
  • Construction Project management
  • Consultant engineers
  • Conveyor belt installation service and repair
  • Couriers
  • Cradle access cleaning and maintenance incl windows
  • Crane operators other than tower cranes
  • Curtain & Blind Fitters
  • Curtain Walling
  • Damp-proofing Installer
  • Data Communications Engineers
  • Delivery drivers
  • Demolition
  • Designers & Draughtsmen
  • Diamond Drilling
  • Dog grooming walking and pet minding
  • Domestic Appliance Repairer
  • Double Glazing
  • Drain Cleaners
  • Drainage contractors
  • Draught Proofing Installer
  • Drilling and Boring Contractors
  • Drinks machine installation and service engineers
  • Drive and Path Laying
  • Dry lining and internal cladding
  • Dry stone walling
  • Ductwork installers
  • Electrician Domestic & Commercial & Industrial incl alarms
  • Energy Consultants
  • Excavator operators
  • Export Consultancy
  • Extractor, ductwork and filter cleaners
  • Fencing Contractor
  • Financial analysts
  • Fire equipment Install and maintenance
  • sprinkler installers
  • Fire proofing rendering and fire curtain installation
  • Fire, fire surround, range and stove installers
  • Fitted Furniture
  • Flat Packed Furniture Assemblers
  • Flooring Contractors
  • Forklift Truck Drivers excluding stevedores
  • French Polishers and Antique Restoration
  • Furniture Assembly And Repair
  • Garage Door and Gate installers
  • Gardeners
  • Gas Fitters
  • Glazing
  • Graphic designers
  • Grave Diggers
  • Grit Blasters
  • Ground workers
  • Gutter & fascia board cleaning
  • Guttering & Fascia Board Fitter
  • Gym Installers
  • Hairdressers
  • Haulage Contractors
  • Health & Safety Advisors
  • Heating Contractor
  • Hedge cutting
  • High pressure water
  • Hydraulic Engineers
  • Illustrators, Cartoonists, Calligraphists and Cartographers
  • Independent financial advisors
  • Insurance brokers
  • Interior Designers
  • IRATA rope access
  • Ironing services
  • Joiners
  • Kerb & Paving Layers
  • Kitchen Installers
  • Labourers
  • Landscaping
  • Lawnmower and garden equipment repair
  • Leaflet Distribution
  • Lift and Escalator Engineers
  • Light machinery installation and service engineers
  • Lightning contractors
  • Locksmiths
  • Loft Conversion Contractors
  • Machinery Install / Service and relocation
  • Management Consultants
  • Mastic Sealant Contractors
  • Mechanical engineers
  • Meter readers
  • Minibuses 9 seats and above
  • Monumental Masons
  • Motor Trade
  • Music Teacher
  • Non-Destructive Testers
  • Office and Shop Equipment Servicing
  • Office Fitters
  • Oven Hob and Extractor Cleaners
  • Painter & Decorator
  • Partitioning Contractors
  • Personal trainers Y
  • Pest Controllers
  • Photographers
  • Piling Contractors
  • Pipe Fitters other than sprinklers
  • Pipe layers
  • Plant repair and servicing
  • Plastering Rendering Pebble Dashing or Artex
  • Playground Equipment Installers
  • Plumbers
  • Portable Appliance Testing
  • Precision Engineers
  • Professional Services
  • Project management non-manual
  • Property maintenance contractors
  • Property Owners only
  • Property Services Electrical Mechanical Plumbing
  • Pubs Bars and restaurants
  • Quantity surveyors Y
  • Recycling
  • Refractory Engineers
  • Refrigeration Engineers
  • Refurbishment Contractors
  • Removal contractors
  • Road and Drive Surfacing
  • Roller Shutter & Door Installation
  • Roofing & Cladding
  • Roofing & Cladding incl heat
  • Rope access
  • Scaffolding Contractor
  • Screeding contractors Y
  • Shed or domestic Garage erection
  • Shelving and Racking Install
  • Shop Fitters
  • Shuttering Formwork
  • Sign Erectors
  • Sign writers
  • Site Supervising Non-manual
  • Skip Hirers
  • Skip Lorry Drivers
  • Solar Panel Installation and Servicing
  • Solar Panel Supply other than manufacturing N
  • Sound proofing
  • Sprinkler Installation
  • Steam cleaners
  • Steel Erectors
  • Steel Fabrication & Erection
  • Steel Reinforcing Rod Installers and concrete pourers
  • Stonemasons other than monumental
  • Street Furniture Installers
  • Surveyors
  • Swimming Pool / Hot Tub Installation and supply
  • Taxi & Private Hire
  • Teachers
  • Telecommunication engineers
  • Telegraph pole and street lighting installation
  • Telesales
  • Television Audio install
  • Tilers
  • Timber Decking
  • Tower crane operators
  • Training
  • Tree workers/fellers
  • Upholsterers
  • Vehicle fitting incl windscreen audio and telephone
  • Vending machine installation and service engineers
  • Waste and refuse consultants Y
  • Waste collection only excl processing & excl skip hirers Y
  • Waste Management N
  • Water Cooler Installation
  • Water Treatment Contractors
  • Web designers
  • Welding Contractors
  • Wheelie Bin Cleaners
  • Wholesalers and distributors N
  • Wind turbine install / maintain
  • Window Cleaning
  • Window Cleaning Reach and Wash
  • Woodworkers