Public Liability Insurance
Get The Right Public Liability Insurance Today
Related Link: Business Insurance
Finding the right Public Liability Insurance can feel overwhelming, but it doesn’t have to be. Whether you’re a sole trader, a small business, or a growing company, ensuring you have the correct level of coverage is essential to protect yourself against unexpected claims.
With the right public liability insurance in place, you can work confidently, knowing your business is safeguarded against potential financial losses.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Public Liability Insurance?
Public liability insurance provides financial protection for businesses if a third party, such as a customer, supplier, or passerby, suffers an injury or property damage due to your business activities.
It covers legal fees, compensation claims, and associated costs, helping businesses avoid significant financial losses. Public liability insurance is not legally required, but many clients, landlords, and contracts demand proof of coverage before work can begin.
Businesses that deal directly with customers, work on clients’ premises, or operate in public spaces are especially vulnerable to liability claims. Without proper insurance, even a small accident could lead to expensive legal action and compensation payouts.
Common Business Risks (And How ABA Insurance Protects You)
Accidental Property Damage
Mistakes can happen, and they can be costly. If your business activities result in damage to a client’s property—such as spilling paint, knocking over valuable equipment, or causing structural damage—you could be held responsible for repair or replacement costs.
ABA Insurance ensures these claims are covered, preventing unexpected financial strain on your business.
Injury Claims from Customers or the Public
Accidents such as slips, trips, and falls can lead to personal injury claims against your business. Whether a customer trips over a loose cable, slips on a wet floor, or is injured by equipment, they may seek compensation for medical costs and damages.
With ABA Insurance, your policy covers legal defence costs and any awarded compensation, ensuring your business is protected from unexpected legal challenges.
Legal Action and Compensation Costs
Even if a claim is unfounded, defending your business in court can be expensive. Legal fees, settlement negotiations, and compensation claims can put a significant financial burden on any business.
Public liability insurance from ABA Insurance provides the financial support needed to cover these costs, allowing you to focus on running your business without added stress.
Client Contracts Requiring Public Liability Insurance
Many clients and contractors require businesses to have public liability insurance before work can begin. Without it, you may miss out on business opportunities or struggle to secure long-term contracts.
ABA Insurance provides policies that meet contractual requirements, giving your business the credibility and confidence needed to secure work.
How Much Does Public Liability Insurance Cost?
The cost of public liability insurance varies depending on several factors, including:
Business Size – Larger businesses with more employees may require higher coverage.
Level of Cover – The amount of protection needed influences the premium.
Industry Risks – Businesses in high-risk sectors, such as construction, may have higher premiums.
Claims History – A history of previous insurance claims can affect pricing.
Business Location – Operating in high-traffic areas or public spaces may increase risk.
ABA Insurance offers flexible plans tailored to your business needs, ensuring you receive the right level of protection at a competitive price.
What Makes Us Different
We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.
Do Self-Employed Business Owners Need Public Liability Insurance?
Even if you work alone, you can still be held liable for injuries or damages caused by your work. Without insurance, you may have to cover legal fees and compensation claims out of pocket, which could have serious financial consequences.
ABA Insurance provides cost-effective policies for self-employed professionals, ensuring you have the protection you need without paying for unnecessary extras.
Choosing the Right Public Liability Insurance Policy
When selecting a policy, it is important to consider:
The level of coverage required – Ensuring your policy aligns with your business activities and potential risks.
Policy exclusions – Understanding what is and is not covered to avoid unexpected costs.
Additional coverage options – Some businesses may benefit from extra protection, such as employer’s liability or professional indemnity insurance.
Client and contract requirements – Ensuring your policy meets any insurance obligations set by clients or regulatory bodies.
ABA Insurance offers expert guidance to help you choose the best policy, giving you complete confidence in your coverage.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Public Liability Insurance Quote
Public liability insurance protects your business from unexpected claims. ABA Insurance offers tailored cover, flexible payment options, and fast claims support to keep you covered. Get a free quote today.