PUBLIC LIABILITY INSURANCE

Public Liability Insurance that protects your business when it matters most.

Accidents happen. Our Public Liability Insurance helps protect your business from the cost of claims made by third parties for injury or property damage.

Designed for UK SMEs, contractors, trades and service businesses, with flexible cover levels to suit how you work.

FCA RegulatedFRN 1034795 · UK
UK Specialist MarketsIndependent advice
Competitive PremiumsBest price for your risk
Claims SupportIncluded as standard
Get a public liability quote → Speak to a specialist
★★★★★ Rated 4.8/5 from 1,400+ reviews
Get your public liability quote
Takes under 60 seconds
Your data is secure and confidential
WHAT IT PROTECTS

Essential protection for everyday risks.

Public Liability Insurance can help cover your legal costs and compensation if your business is found responsible.

Injury to third parties

Cover for injury or illness caused to a customer, visitor or member of the public.

Property damage

Protection if your work or operations cause damage to someone else's property.

Legal defence costs

Helps cover the cost of defending a claim, even if it's false or unfounded.

Compensation payments

Pays for compensation you're legally required to pay if a claim is successful.

WHO NEEDS PUBLIC LIABILITY INSURANCE?

Ideal for SMEs, trades and service businesses.

If your business interacts with the public, clients or their property, you need cover.

Trades & Contractors
Builders, electricians, plumbers, joiners
Retail & Hospitality
Shops, restaurants, cafes, salons
Events & Venues
Event organisers, venue operators, exhibitors
Professional Services
Consultants, agencies, trainers, coaches
Property & Landlords
Landlords, tenants, managing agents
Healthcare & Care
Clinics, therapists, care providers
FLEXIBLE COVER THAT FITS YOUR BUSINESS

Tailored public liability cover to suit how you work.

  • Choose the right cover level for your business
  • Options from £1M to £10M+
  • UK-wide cover as standard
  • Cover for subcontractors available
  • Fast, simple and hassle-free
★★★★★

"We got cover sorted the same day and had the certificate in our inbox within minutes."

— James T., Electrical Contractor
SIMPLE PROCESS

How our process works.

1
Tell us about your business

Answer a few quick questions about your business and operations.

2
We find the right cover

We compare quotes from specialist insurers to find the best cover and price.

3
Get your quote

Receive your tailored quote and policy details to review at your convenience.

4
You're covered

Buy online or speak to our team and get your certificate straight away.

Get my quote now →
WHY CHOOSE RAGADO?

More than just insurance.

Specialist Advice

We understand your industry and the risks you face.

Competitive Prices

Access to leading UK insurers and specialist markets.

Claims Support

Expert help when you need to make a claim.

Ongoing Support

We're here at renewal and as your business grows.

FREQUENTLY ASKED QUESTIONS

Public Liability Insurance FAQs

Public Liability Insurance protects your business against claims made by members of the public for injury or property damage caused by your business activities. It covers legal defence costs and any compensation awarded.
It's not legally required for most businesses (unlike Employers' Liability), but many contracts, venues and clients require it. It's widely considered essential for any business that interacts with the public.
Most SMEs take cover between £1m and £5m. Larger businesses, those working on bigger contracts, or businesses in higher-risk sectors often require £10m+. We'll advise the appropriate level for your situation.
It depends on the policy. Some policies extend cover to labour-only subcontractors. Bona fide subcontractors (who carry their own insurance) are usually excluded. We'll make sure your policy reflects how you actually work.
Premiums vary by business type, turnover, cover level and claims history. Many small businesses can get £1m of cover from a low annual premium. We'll benchmark the market to find the best value for you.
Yes. A certificate of public liability insurance is issued as part of your policy documents and can be shared with clients, venues or anyone requiring proof of cover.

Protect your business. Get peace of mind.

Get your public liability insurance quote in minutes.

Get my public liability quote → Speak to a specialist