Does public liability insurance cover personal injury? 

What is public liability insurance?  

If your work or business activities bring you into contact with the general public, you will need public liability insurance. It will protect you and your business if someone brings a claim against you, due to injury or damage they have suffered as a direct result of your work activities.  

Does that mean it covers personal injury?  

Public liability insurance will cover personal injuries your business may have caused to members of the public. This includes customers or clients.  

For a successful claim to be brought against you, the claimant must prove that it was your business that caused the injury, either intentionally or due to negligence.  

In most cases, the claim must also be brought within three years of date of the incident. 

What kinds of injuries are covered?  

The term ‘personal injury’ covers a wide spectrum: from minor accidents such as cuts and burns, to life-changing injuries, illnesses, and even death. The injury can be physical or psychological.  

A claim for personal injury will normally include compensation for any pain, suffering or loss of amenity. This includes any expenses already incurred as a result of the injury, as well as any future expenses, e.g. loss of earnings, treatment costs and rehabilitation.  

How much does it cover?  

The damages awarded will depend on the unique circumstances of each case, the severity of the injury, and the consequences of the injury.  

The maximum amount your insurer will pay out will depend on the terms of your policy. It normally ranges from £1 million to £10 million.  

How does public liability insurance differ from employers’ insurance?

Public liability insurance provides cover in respect of a claim brought by a member of the public or customer. It does not cover personal injury suffered by your employees while working for you. 

Personal injury or illness suffered by an employee due to their work is normally covered by your employers’ insurance. If you have any employees, you are legally required to have employers’ insurance.