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Public Liability Insurance from £53 a year

10% of customers paid this or less. Based on policies sold December 16 - May 17.

What is Public Liability Insurance?

Public Liability Insurance covers personal injury or property damage claims made against your business by members of the public. It insures the cost of compensation and legal expenses incurred by the claims process.
This makes it an important cover for businesses that interact with customers.

Our Public Liability Insurance is designed for both:

  • Tradesmen working on site, in a customer's home or other premises.
  • Small business professionals, such as mobile hairdressers, cleaners or home tutors, working in a customer's home or other premises.

Our cover insures your business against things you’re responsible for, as well as events outside your control. So if you, a partner or an employee is responsible for an accident that causes injury or damage, or someone makes a claim against you for compensation, you can protect your livelihood with as little hassle as possible.

Looking for cover to insure your professional advice? You’ll need professional indemnity insurance. Not sure what you need? Find out the difference between public liability insurance and professional indemnity insurance.

Multiple levels of cover

Our Public Liability Insurance gives you the flexibility to cover up to a maximum of 15 people, extend cover limits and take out a range of optional extras to give you the cover you need.

See Professionals policy and Professionals summary

  • Up to £1m Public Liability cover as standard
    If you’re not sure why you need Public Liability cover, look here
  • Money cover
  • Direct Line for Business Legal Documents Service – unlimited online access to a large library of customisable legal documents, plus you can have the documents you create checked by a solicitor
  • Access to our free 24/7 legal helpline
  • Access to your own specialist claims handler should the worst happen
  • 0% interest if you wish to pay by instalments in the first year to help spread the cost
    (0% APR representative, subject to eligibility, 18s and over)
  • No administration fees to pay

Optional extras

  • Increase Public Liability cover up to £2m, £5m or £10m
  • Employers’ Liability cover up to £10m
    Why do I need employers liability cover?
  • We'll cover injury to working partners (if you're a business partnership)
  • Insurance for tools and business equipment up to £10,000 per employee
  • Cover of business stock up to £5,000
  • Personal accident for named people working for the business
  • Hairdressers Treatment cover up to £100,000

See Tradesman policy and Tradesman summary

  • Up to £1m Public Liability cover as standard
    If you’re not sure why you need Public Liability cover, look here
  • Direct Line for Business Legal Documents Service – unlimited online access to a large library of customisable legal documents, plus you can have the documents you create checked by a solicitor
  • Access to our free 24/7 legal helpline
  • Access to your own specialist claims handler should the worst happen
  • 0% interest if you wish to pay by instalments in the first year to help spread the cost
    (0% APR representative, subject to eligibility, 18s and over)
  • No administration fees to pay

Optional extras

  • Increase Public Liability cover up to £2m, £5m or £10m
  • Employers’ Liability cover up to £10m
    Why do I need employers liability cover?
  • We'll cover injury to working partners (if you're a business partnership)
  • Cover for temporary employees and bona fide sub-contractors hired by your business
  • Insurance for tools and business equipment up to £10,000 per employee
  • Cover of business stock up to £5,000
  • Money cover
  • Own plant cover (including temporary buildings and site huts) up to £50,000
  • Hired in plant cover, limit any one item up to £20,000
  • Contract works cover, any one contract site up to £500,000
  • Personal accident for named people working for the business

Looking for specific business insurance?

Whether you're a butcher, baker or candlestick maker we have the right insurance for you.

  • Saving you time with your quote

    Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).

    We don’t charge administration fees for mid-term changes to your policy.

    If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).

    The below statements are what you need to agree with for us to be able to offer you this insurance policy.

    Neither You, nor Your Directors nor Your partners:

    • have ever had a proposal for insurance declined, renewal refused, cover terminated, increased premium required or special conditions imposed by any Insurer
    • have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
    • are subject to an outstanding County Court Judgement (or the Scottish equivalent)
    • are subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years

    The number of persons permanently working manually in the business (total of Proprietors, Partners, Employees, Working Directors, Labour Only Sub-Contractors and Trainees) does not exceed the maximum allowed of 15 [for tradesmen and professionals].

    Your business does not:

    • use, handle, store or transport hazardous substances, such as Radioactive Substances/Devices, Explosives, or materials giving rise to dust, fumes or vapours, discharge toxic or dangerous substances into the atmosphere, waterways or elsewhere [for tradesmen only]
    • undertake work on or have under your control Cranes, Passenger Lifts and Escalators [for tradesmen only]
    • use scaffolding (other than scaffolding towers) unless erected by a specialist scaffolding contractor [for tradesmen only]
    • operate in what may be considered a high risk environment, such as Nuclear Plant/Power Stations, Gas or Chemical Works, Oil Refineries/Bulk Oil Storage, Off Shore Structures, Airfields/Airports, Railway Property, Quarries, Towers, Steeples, Chimney Shafts, Bridges, Viaducts, Flyovers, Underpasses, Docks, Harbours, Piers, Wharves, Dams, Reservoirs, Lakes, Rivers, Foundries or Forges
    • undertake work involving the following activities: Tunnelling, Mining, Piling, Ground Stabilisation, Underpinning, Dewatering, Water Diversion, Flood Protection, or Sea Defences.
    • carry out any work on gas appliances or installations unless undertaken by a Gas Safe registered engineer [for tradesmen only]

    Your business complies with all statutory requirements controlling exposure to noise as laid down in the current Control of Noise at Work Regulations [for tradesmen only].

    If any of the assumptions above are not true please call us.

Policy documents

View and download policy documents here

Small Businesses

The following policy documents apply to policies that were bought or renewed before 12 August 2016.

The following policy documents apply to policies that were bought or renewed on or after 12 August 2016.

Tradesmen

The following policy documents apply to policies that were bought or renewed before 12 August 2016.

The following policy documents apply to policies that were bought or renewed on or after 12 August 2016.

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.


Get documents

Frequently asked questions

About Public Liability Insurance

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What our Public Liability customers are saying

Customer reviews verified by ReevooTM

Ease of purchase

9.3

Value for money

9.1

Overall rating

9.0

Score is 9.0 out of 10 based on 3102 reviews.

I couldn't find another insurer that would accept monthly payments. With direct line I can pay monthly so it is more affordable for me.

Kaya
Ryde Isle of Wight

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