Public liability insurance

Comprehensive PL cover for digital businesses.

Public liability covers you for injury or property damage to your clients, suppliers, contractors or members of the public, that occurs as a result of your business.

You can't control everything in business

But you can insure against the worst

Unfortunately, accidents are part of life - and often outside your control. That's why we have public liability insurance.

In 2013/2014, the UK government's Compensation Recovery Unit recorded over 103,000 public liability claims, up from 94,000 in 2010/2011.

Meanwhile, last year liability insurers paid out around £6m every day to protect businesses from these types of claims.

Public Liability Cover

from £7.90

/month 1


  • Pay by the month
  • Change your cover anytime
  • Access to specialists
  • Copyright breaches

1 Includes insurance premium tax

Why Public Liability Insurance?

Accidents happen

Slips, trips, smashes and crashes – accidents are part of life. But if you or one of your employees causes an injury or property damage to a member of the public, the legal fees and compensation could be crippling.

If the worst happens, public liability insurance will pick up the bill.

Clients expect it

Many companies now insist that their suppliers have public liability insurance, so you could be at a competitive disadvantage if you don't.

Some bigger clients could request a minimum of £5 million or even £10 million in cover, so you'll need a policy that matches their requirements.

Compensation culture

The rise of 'no win, no fee' services has made the chances of a facing a claim more likely, however real or spurious it may be.

It only takes an allegation that you've done something wrong and these services make it easy to claim against you.

Why you may need to review your public liability insurance

You should keep an eye on your PL cover over time, as the level you need is likely to change as your business grows and evolves. This means reviewing your needs on at least an annual basis, or you could be in for a nasty shock if anything does go wrong.

Find out more

Public Liability Insurance Guide

What is Public Liability Insurance?

We've all been there. You doze off for a second or leave something in a precarious position, and all of a sudden - crash! Mistakes and accidents happen in business, however much you try to avoid them. But, if the actions of you or one of your employees cause injury or property damage to a member of the public, then the fall-out for your finances and reputation could be catastrophic - particularly if you're a startup or small business.

Lawsuits, compensation claims and spiralling costs, not to mention the stress and worry on top. But with public liability insurance it's all taken care of, as any compensation and legal costs will be picked up by us. So, you can relax and stay focused on growing your business.

Who needs Public Liability Cover?

Public liability cover provides vital protection to any business that comes into contact with members of the public – that includes clients, suppliers, contractors or anybody else not employed by you.

It's particularly important if you're involved in managing events, organising photography or filming, or hosting customers and clients at your premises.

And while it isn't a legal requirement, a certain level of cover is often stipulated by some industry bodies, plus you may find that clients request it, so it could help you win business (or not lose it!)

What risks does Public Liability Insurance address?

Potential hazards are everywhere, from a box left where it shouldn't be, to equipment coming loose at an event, or wires left trailing by your film crew. One false move or a bit of bad luck, and in the blink of an eye, you're on the phone to a lawyer.

Even if it wasn't your fault, ‘no win, no fee' services mean you can still face liability and compensation claims. And with payouts running into the hundreds of thousands, or even millions, the right PL protection is more than worth the investment.

What to look for in a Public Liability Policy

Before committing to a public liability policy, check whether your clients, potential clients, or your industry body has any requirements regarding the level of cover you hold. Some organisations, particularly government contracts request a minimum cover limit, such as £5 million or £10m.

Also ensure your PL cover incorporates all the activities you're involved in, by disclosing any relevant details to your provider, For example, if your employees are involved in working at heights or heavy lifting, your insurer needs to be aware of this.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

Trusted by

   Other insurance providers didn't really understand start-ups. We were looking for a tailored approach to suit our business needs and were recommended to Digital Risks!

CEO & Founder



Excellent 9.4 out of 10

Everything you need to know about public liability insurance

Define public liability insurance

We've all been there. You doze off for a second or leave something in a precarious position, and all of a sudden - crash! Mistakes and accidents happen in business, however much you try to avoid them. But, if the actions of you or one of your employees cause injury or property damage to a member of the public, then the fall-out for your finances and reputation could be catastrophic - particularly if you're a startup or small business. Lawsuits, compensation claims and spiralling costs, not to mention the stress and worry on top. But with public liability insurance it's all taken care of, as any compensation and legal costs will be picked up by us. So, you can relax and stay focused on growing your business.

Who is public liability insurance for

Public liability cover provides vital protection to any business that comes into contact with members of the public – that includes clients, suppliers, contractors or anybody else not employed by you. It's particularly important if you're involved in managing events, organising photography or filming, or hosting customers and clients at your premises. And while it isn't a legal requirement, a certain level of cover is often stipulated by some industry bodies, plus you may find that clients request it, so it could help you win business (or not lose it!)

What are the risks

Potential hazards are everywhere, from a box left where it shouldn't be, to equipment coming loose at an event, or wires left trailing by your film crew. One false move or a bit of bad luck, and in the blink of an eye, you're on the phone to a lawyer. Even if it wasn't your fault, ‘no win, no fee' services mean you can still face liability and compensation claims. And with payouts running into the hundreds of thousands, or even millions, the right PL protection is more than worth the investment.

Things to watch out for

Before committing to a public liability policy, check whether your clients, potential clients, or your industry body has any requirements regarding the level of cover you hold. Some organisations, particularly government contracts request a minimum cover limit, such as £5 million or £10m. Also ensure your PL cover incorporates all the activities you're involved in, by disclosing any relevant details to your provider, For example, if your employees are involved in working at heights or heavy lifting, your insurer needs to be aware of this.