Public liability insurance for freelancers, contractors & small businesses

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Trusted by over 23,000 businesses across the UK

Comprehensive public liability cover from only £112.00 a year

Why you need public liability insurance

PL insurance has become a vital policy for freelancers, contractors and small businesses (including charities) who have contact with clients and the general public.

Public Liability insurance (PL insurance) covers you for the cost of a public liability claim from a third party, such as a member of the public (not an employee), that has suffered injury (or death) or property damage caused by you or your employees in the course of your business activities.

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What events can lead to PL insurance claims?

There are many events that can give rise to a public liability insurance claim. The most common is when a visitor trips or slips on your premises and claims the accident was due to your negligence.

If they can prove their case, and their injury has caused them loss of earnings through enforced time away from work or worse caused them a permanent disability, then the claim could potentially amount to tens of thousands of pounds.

PL claims can also arise if you damage a third party’s equipment when visiting their premises . This could be from the item being dropped or liquid being spilled on an electronic device causing it to malfunction.

These examples can appear trivial, but even a trip on your premises can lead to a claim for a soft tissue injury, which could cost you thousands of pounds plus legal fees, unless you have PL Insurance.

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Insurance that reflects your self-employed status

Get a free online quote for your business insurance today.

To start your personalised business insurance quote, simply click the ‘Start Your Quote’ button. You can see a quote in as little as 90 seconds!

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How can I protect my business against a public liability claim?

As with all potential issues, prevention is far better than cure… and usually costs less.

The first answer is to ensure you have public liability insurance in place to mitigate the risk.

No matter what size your business is, it is also a good idea to have a risk management plan in place. Many risks that a business might face are not immediately visible to the untrained eye.

A risk management plan will help identify potential risks and provide opportunities for those risks to be reduced, or even eradicated, to prevent accidents and potential insurance claims.

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Insurance for freelancers, contractors and small businesses

Choose from our range of insurance protection products below. Simply click for a quick online quote.

Professional indemnity insurance

Protects against claims of alleged negligence in your professional services, advice and designs.

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Public liability insurance

Protects against injuring a member of the public or damaging their property. Click to build a quote online in minutes.

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Employers’ liability insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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Legal expenses insurance

Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.

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Personal accident insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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Commercial crime insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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Benefits of Caunce O'Hara public liability insurance at a glance

There are many benefits to our business insurance for freelancers, contractors and self-employed business owners including:

Business insurance that gives you peace of mind you are covered.

Immediate cover available, with documents issued via email in minutes!

Flexible monthly payments.

Cover for legal fees and compensation awards.

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Frequently Asked Questions

Some of the most common questions people ask about liabilities insurance

▪ Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
▪ Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
▪ Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
▪ Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

Employers Liability cover is required by law for most businesses. You will need it if:
▪ You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
▪ You have control over where and when your employees work.
▪ You have the right to claim profit made by your employees.
▪ You provide the equipment and materials your employees use.
▪ You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
▪ You have part-time or temporary employees.

• Public liability insurance covers against injury caused to third parties (or damage to their property) due to your negligence.
• Product liability insurance against injury caused by a product that you have supplied.
• Employers’ liability insurance covers your business from the cost of defending a claim against you from an employee who has suffered injury or disease as a result of the work they undertake for you.

The level of protection you need will depend on the value of the work you do and the potential liability. Caunce O’Hara can help you build the ideal insurance policy that will help protect all areas of your business.
Available limits of indemnity range from £50,000 cover per annum up to £5,000,000 per annum.

If you are unsure if you need professional indemnity insurance, this list of instances when it is advisable to be insured:
▪ You provide an expert service to your clients
▪ You provide consultancy and advice to your clients
▪ You handle personal information and data for your clients
▪ Your professional membership body insists you carry it
▪ Your client insists that you have it.