Public Liability Insurance

Protect your business. Protect your livelihood.

Public liability (PL) can protect against both compensation costs and legal fees if a client makes a claim against you relating to personal injury or damage to their property.

How we can support you

Your business is your future so you need to know it has the right protection. We realise that means more than simply getting comprehensive cover. We believe you should have access to:

  • Experienced advisers who’ll assess your needs.
  • A range of available covers and packages to suit a wide range of trades.
  • Quotes from a panel of leading insurers so that you’ll pay a competitive price.
  • Experts who can help you manage claims should the unexpected happen.

Insurance Solutions from Gallagher

We have chosen to work with Gallagher, one of the UK’s largest insurance brokers. As a broker, Gallagher have access to a panel of insurers plus they provide professional advice and expertise, helping you get the right insurance for your business.

Get a quote and advice from Insurance specialists. Call 0345 377 0001.
Lines are open 9am to 5pm, Monday to Friday.

Why do businesses need need Public Liability Insurance?

You might need PL if you:

  • Visit your clients property - customers could claim compensation if your work leads to accidental damage or injury.
  • Own business premises - if your customers visit you then there’s a risk that they could injure themselves on your premises.
  • Work in public places - if members of the public could interact with your business then you’ll need protection from potential injury claimants.


Some clients and professional bodies will require you to have professional liability insurance in place.

Which trades need PL?

Public liability is designed to provide protection to businesses which interact with customers or members of the public in person. For example:

  • Builders
  • Plumbers
  • Gardeners
  • Electricians
  • Shops, Pubs & Restaurants
  • Carpenters

This list is not complete as almost any business could require public liability.

Examples of claims

There are two common types of claims, accidental damage and injuries.

Accidental damage

  • Spilling a drink over a client’s laptop
  • Damage caused to a garden fence


  • Tripping over loose wires
  • Slipping on a wet floor.

Ready to get a quote? Want advice?

Lines open 9am to 5pm, Monday to Friday.

To provide this service we work with Arthur J. Gallagher Insurance Brokers Limited, part of one of the world’s largest insurance broking groups


Call on 0345 377 0001call number

Do you need more information?

Yes, I think I have other risks

There are other covers available to you to cover you for risks that public liability doesn’t. For example if you give advice you may need professional indemnity. There are also package covers available which may suit certain businesses such as Shops, Pubs & Restaurants.

Yes, I’m not sure I understand Public Liability

No problem, to speak with a friendly adviser who’ll be able to answer your questions you can call 0345 377 0001. Lines are open 9am to 5pm, Monday to Friday.

No, I’m ready to get a quote

That’s great! To get a quote you can call an insurance specialist on 0345 377 0001. Lines are open 9am to 5pm, Monday to Friday.

This insurance product is subject to individual terms and conditions and some exclusions apply. Please ask for a copy of the terms and conditions for full details.

Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited who sources products from a panel of insurers. Arthur J. Gallagher Insurance Brokers Limited, registered office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. Authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 311786). The Bank of Scotland brand and logo are used under licence.