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Public Liability Insurance Products

Compare 639 products offered for Public Liability Insurance from 98 companies including Covéa Insurance, EC Insurance Company Ltd, and Victor Insurance.

Our Insurance Comparison Tool allows you to pick the correct policy by comparing every plan offered by Canada's leading providers. Stuck? Our Frequently Asked Questions can help you understand more about Public Liability coverage.

Compare Public Liability Insurance Policies

Products 11 to 20 of 639
Product name Max Coverage Min Premium Exclusions
Plumbers Public Liability by Churchill Insurance Max Coverage N/A Min Premium N/A

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Public Liability by Entertainment Risk Management Ltd Max Coverage N/A Min Premium N/A

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Public Liability by Clover Insurance Services Max Coverage N/A Min Premium N/A

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Public Liability by Aviva Insurance Services UK Ltd Max Coverage GBP5M Min Premium GBP60
  • damages that occurs as a result of the fixing or correcting of defective products supplied or the cost of recalling them
  • employer's liability
  • injuries or damages from products supplied other than the sale or supply of proprietary goods that have not been manufactured or altered by the insured, and are sold unopened in the packaging provided by the manufacturer (surgeries only)
  • injuries or damages resulting from products supplied, other than food and drink, brochures and promotional merchandise, or disposal or office furniture and equipment (excluding homeworkers and tradesmen)
  • professional liability

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Public Liability by Zurich UK Max Coverage N/A Min Premium N/A

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Public Liability by Towergate Insurance Max Coverage GBP10M Min Premium N/A

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Public / Products Liability by Chubb Max Coverage N/A Min Premium N/A

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Risk Managed General (Public and Products) Liability by RSA Insurance Group plc Max Coverage N/A Min Premium N/A

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Public Liability by Churchill Insurance Max Coverage GBP10M Min Premium N/A

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Public Liability and Personal Accident by Allianz Musical Insurance Max Coverage GBP5M Min Premium N/A

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Frequently Asked Questions

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What Is Public Liability Insurance?

Public Liability insurance provides coverage against any costs from legal expenses or compensation that arises if a third party is either injured or has their property damaged while on someone’s business premises.


If an accident occurs on a premises that is uninsured then the compensation costs will have to come directly from the business. Public Liability insurance will cover those costs during the process of a claim.

Who Needs Public Liability Insurance?

All businesses run the risk of a compensation claim. It doesn’t matter what type of business it is as long as it is a premises frequented by any type of visitor. Business premises can include an office building, a home office or any other type of premises where business-related activities take place. If a member of the public (non-staff member) is visiting the premises then Public Liability insurance is recommended. Whether your visitor is a customer, client or delivery service, any accident or damage that occurs, no matter how minor, could result in a lawsuit.


Small businesses and sole traders are just as recommended to take out a Public Liability insurance policy as a larger firms so that any legal fees or damages can be covered easily without financially disrupting the business.


While Public Liability insurance is not a legal requirement, some companies or events may require business to have it before agreeing to do business with them.

What Does Public Liability Insurance Cover?

Public Liability insurance policies cover the business from any compensation claims made against it. If a visitor to the business premises suffers an accident or injury then Public Liability will cover any legal expenses if a lawsuit is taken out, any medical expenses as well as any damages awarded to pay. The same applies if a third party’s property is damaged while visiting a business. Public Liability insurance will also cover the costs of any repairs or replacements required.


Items such as computers, business equipment or tools are among the most common items that are accidentally damaged on business premises. The costs of replacing and repairing them can reach thousands, especially if they are essential to the working practices of the claimant.


If a claim is made because of negligence from the owner of the business premises then a fine may also have to be paid. This will also be covered by Public Liability insurance.

What Is Not Covered By Public Liability Insurance?

While Public Liability insurance policies are primarily concerned with damage to persons or property, there are several areas not generally covered by most Public Liability products:


  • damage to business property
  • damage to property whilst being worked on
  • bodily injury of person working for the business


Public Liability is aimed at covering claims made by people not working for the business. Commercial General Liability or Employers Liability insurance policies are more suitable for claims made by employees, business owners or other business personnel.

How Much Does Public Liability Insurance Cost?

Depending on the type of business will depend on the amount of coverage needed. Someone operating from a home-based business will need less coverage than a business with multiple locations. However the main areas that need to be considered when calculating coverage limits are:


  • type of trade or profession
  • business turnover
  • number of visitors to the business premises
  • how ‘public’ the premises is