Fiducia TogetherPublic liability insurance
Cover for injury or damage caused to third parties.
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.
What it means
Public liability covers legal liability for injury to members of the public or damage to their property arising from your business activities.
Why it matters
It is not legally required in most sectors, and it is contractually required by most commercial customers, landlords and venues.
What it looks like in practice
Limits of indemnity are typically £1m, £2m, £5m or £10m. Larger customers commonly specify a minimum, so check contracts before choosing.\n\nProducts liability is usually included or added alongside for anyone selling goods.
What to watch out for
Working at a customer's premises, where public liability may not cover damage to the property you are working ON. That is contract works or professional indemnity territory depending on the trade.
Where to get proper advice
An insurance broker who understands your sector. Read the policy wording, not the summary.
Where to read more
Last reviewed 2026-08-28 by Fiducia Together · Next review due 2027-08-28
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.