Why Public Liability Insurance Is Essential for Every Business
Whether you're a sole trader, SME, or large organisation, one type of cover consistently tops the list of business essentials: Public Liability Insurance.
In today's world of rising litigation and increasing customer interaction, a single accident or allegation could cost thousands—or more—in legal fees and compensation. Public Liability Insurance acts as your frontline defence, protecting both your finances and your reputation.
What Does Public Liability Insurance Cover?
Public Liability Insurance protects your business if a member of the public (or a client, visitor, or supplier) suffers:
- Bodily injury (e.g. slips, trips, or accidents on your premises or job site)
- Property damage caused by your business activities or employees
- It typically covers:
- Legal defence costs
- Compensation payouts
- Medical expenses
- Associated legal expenses
Do All Businesses Need It?
Technically, it's not always a legal requirement—but in practice, most businesses can't operate without it.
You may need Public Liability Insurance if:
- You interact with the public or clients at your premises
- You work on client sites (e.g. tradespeople, consultants)
- You exhibit at events or markets
- Your industry body or contracts require it
Why Choose LBH Insurance?
At LBH Insurance, we understand that no two businesses are the same—and neither are their risks.
We have access to an extensive market of insurers, which allows us to:
- Source competitive Public Liability quotes tailored to your business
- Provide advice on appropriate cover limits
- Combine Public Liability with Employers' Liability, Professional Indemnity, and other key policies into one simple package
Whether you're a startup, established firm, or somewhere in between, we'll make sure you're covered—properly.
Call us on 01702 347889 for a no-obligation, competitive quote—and peace of mind that your cover reflects both your risk and your reputation or email enquiries@lbhinsurance.co.uk.
