Running a business comes with risks. Even small mistakes can lead to big costs if someone gets injured or property gets damaged. That’s where Simply Business Public Liability Insurance helps. It protects your business from claims made by customers, clients, or the public due to accidents that happen because of your work.
Simply Business is one of the UK’s top business insurance providers, offering flexible and affordable coverage designed for small businesses, sole traders, and self-employed professionals.
What Is Public Liability Insurance?
Public liability insurance protects you if a member of the public claims that your business caused injury or damage. For example:
- A customer slips on a wet floor in your shop.
- You accidentally damage a client’s property while working on-site.
- Someone gets hurt because of your product or equipment.
In these cases, the person could make a compensation claim against your business. Public liability insurance helps cover the legal fees, medical costs, and compensation payouts, saving your business from heavy financial loss.
Why Choose Simply Business?
Simply Business stands out because it’s simple, fast, and tailored to your needs. Here’s why many business owners choose it:
- Custom Policies: You can mix and match cover types, including public liability, professional indemnity, and employers’ liability insurance.
- Affordable Prices: Get quotes from top UK insurers in minutes.
- Easy Online Setup: Buy and manage your policy online without paperwork.
- Trusted Provider: Over 800,000 small businesses and landlords use Simply Business.
- 24/7 Access: Download and manage your insurance certificate anytime.
What Does Simply Business Public Liability Insurance Cover?
This insurance covers a range of incidents where you might be held responsible. Key areas include:
1. Injury to Third Parties
If a customer, visitor, or member of the public is injured because of your business, your policy can cover the medical costs and compensation.
2. Damage to Property
Accidents happen—maybe you spill paint on a client’s carpet or break something valuable. The insurance covers the repair or replacement costs.
3. Legal Expenses
If someone makes a claim against your business, Simply Business will cover your legal defense fees.
4. Product Liability
If your product causes injury or damage, you’re protected from claims related to it.
How Much Does It Cost?
The cost of public liability insurance from Simply Business depends on several factors:
- Type of business or trade
- Size of business
- Level of risk involved
- Amount of cover you choose
You can usually select cover starting from £1 million up to £10 million, depending on your business needs.
Many small businesses pay around £60 to £200 per year, though prices vary. The good news? You can compare quotes online instantly on the Simply Business website.
Who Needs Public Liability Insurance?
Almost any business that interacts with the public should consider this insurance. Common examples include:
- Shop owners
- Builders and tradesmen
- Cleaners and gardeners
- Event organizers
- Freelancers and consultants
- Beauty and wellness professionals
Even if your business is home-based, if customers visit you or you visit clients, public liability cover is important.
How to Get a Quote from Simply Business
It’s very easy to get insured through Simply Business:
- Visit their website (simplybusiness.co.uk)
- Enter your business type and details
- Compare quotes from multiple insurers
- Choose your level of cover
- Buy online and download your certificate instantly
The whole process usually takes less than 10 minutes.
Benefits of Public Liability Insurance
Here are some top benefits of having public liability insurance through Simply Business:
- Peace of mind knowing your business is protected
- Helps build trust with clients and customers
- May be required for contracts or work sites
- Saves you from large unexpected costs
- Shows professionalism and responsibility
Having this cover is not just about protection—it’s also about building credibility and business security.
Is Public Liability Insurance a Legal Requirement?
In the UK, public liability insurance is not legally required. However, many clients, landlords, or local councils may insist you have it before allowing you to work with them.
So even if it’s not the law, it’s often a business necessity.
Optional Add-Ons with Simply Business
Simply Business lets you add other types of insurance to your plan, such as:
- Employers’ Liability Insurance – if you have staff
- Professional Indemnity Insurance – for giving advice or services
- Tools and Equipment Cover – to protect your work tools
- Business Contents Insurance – for items in your shop or office
This means you can create a complete insurance package that fits your exact needs.
How to Contact Simply Business
You can reach Simply Business easily:
- Website: www.simplybusiness.co.uk
- Customer service: Available Monday to Friday for quotes and support
- Online chat: For instant help with your policy
They also have helpful guides and tools on their website to explain everything clearly.
FAQs
Q1: What is the minimum cover I can get with Simply Business?
You can usually start from £1 million public liability cover, but higher limits are available if your clients require it.
Q2: How quickly can I get covered?
You can buy your policy online and get instant cover—your documents are emailed right away.
Q3: Can I change or cancel my policy?
Yes, Simply Business allows you to make changes anytime and even cancel your policy if your needs change.
Q4: Does public liability insurance cover employees?
No, you’ll need employers’ liability insurance to cover employees. Public liability only covers claims from the public or clients.
Q5: What happens if I don’t have insurance?
Without public liability insurance, you’ll have to pay all legal and compensation costs yourself if someone makes a claim. This could seriously affect your business finances.
Conclusion
Simply Business Public Liability Insurance is an essential safeguard for any business that interacts with the public. It helps protect you from costly claims, keeps your business reputation strong, and provides peace of mind so you can focus on growth.
