Public liability insurance is one of the most important forms of cover for any business. It provides protection if a customer, client or member of the public suffers injury or property damage as a result of your business activities. Thornhill Insurance arranges public liability insurance designed to give businesses confidence that they are protected against unexpected claims.
Most businesses are exposed to public liability risks, even if they operate from home, work on the road or trade online. Claims can arise from simple accidents, and even unproven allegations can be costly and time consuming to defend. Having the right liability cover in place helps protect your finances and reputation.
Whether you trade from a shop, welcome visitors to your premises or work at third party locations, public liability insurance can be arranged as part of a wider insurance package or as a standalone policy, depending on what suits your business best.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Public Liability Insurance
What is public liability insurance?
Public liability insurance protects businesses if a third party is injured or their property is damaged as a result of business activities.
Who needs public liability insurance?
Any business that deals with customers, clients or members of the public should consider public liability insurance, regardless of size or industry.
What does public liability insurance cover?
Cover typically includes legal defence costs and compensation payments if a claim is made against your business.
How much public liability cover do I need?
Cover limits often start at £2 million. Some contracts, particularly with local authorities or government bodies, may require £5 million or £10 million of cover.
Can higher limits of indemnity be arranged?
Yes. Public liability cover up to £10 million can be arranged, subject to underwriting.
Do I need employers’ liability insurance as well?
If you employ staff, employers’ liability insurance is a legal requirement and is usually arranged alongside public liability insurance.
What is the standard employers’ liability limit?
Although the legal requirement is £5 million, policies are typically arranged with a £10 million limit for added protection.
Can public liability be arranged on its own?
Yes. Public liability insurance can be arranged as a standalone policy or combined with other covers.
Flexible Liability Insurance for Businesses
Public liability risks vary depending on how and where your business operates. Thornhill Insurance works with a wide panel of insurers to arrange liability cover that reflects your activities, contracts and level of exposure.
As an independent broker, we ensure your policy is structured correctly, whether you require basic protection or higher limits to meet contractual obligations. This tailored approach helps avoid gaps in cover and ensures your insurance responds when needed.
Regular reviews and access to expert claims support provide reassurance that your liability insurance remains suitable as your business evolves.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106