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What Is Public Liability Insurance?

Protect your business from the unexpected with flexible, straightforward liability insurance. Whether you're a sole trader, SME, or established company, Public and Employers’ Liability Insurance helps you stay covered against legal claims—so you can focus on running your business with confidence.

Public Liability Insurance protects your business if a third party—like a customer, supplier, or member of the public—is injured or has their property damaged because of your business activities. It covers legal fees, compensation claims, and medical costs.

This type of cover is especially important for anyone who interacts with the public—on-site, at your premises, or out in the field.

Common claims might include:

  A customer trips on uneven flooring at your premises
  You accidentally damage a client’s property while carrying out work
 A member of the public is injured by falling tools or materials
 
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Public Liability Insurance

What Is Employers’ Liability Insurance?

Employers Liability Insurance

If you employ anyone—even on a casual, part-time, or voluntary basis—Employers’ Liability Insurance is usually a legal requirement in the UK. It protects your business if an employee suffers illness, injury, or worse while working for you.

We make it simple to stay compliant while giving you peace of mind.

It covers claims like:

  • An employee injured while lifting heavy materials
  • Long-term illness caused by unsafe working conditions
  • Accidents caused by faulty equipment or insufficient training
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Who Needs Liability Insurance?

If you deal with people or employ anyone, you should have liability insurance. We provide cover for a broad range of industries, including but not limited to:

Tradespeople and contractors

Retail shops and salons

Offices and consultants

Hospitality and catering

Event organisers

Landlords and property professionals

Charities and community groups

Mobile businesses and pop-up services

What Does It Cover?

Our policies are designed to be flexible and can include:

Legal defence costs

Compensation payouts

Medical expenses for third-party injuries

Temporary staff or labour-only subcontractors

Cover at events, off-site locations, or customers’ premises

High-limit options for businesses with contract requirements or public sectorwork

Need higher limits? We also offer Excess Layer Liability Insurance to increase your total protection for larger projects or high-value contracts.

Why Choose Crowthorne For Liability Insurance?

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Customisable cover for your business type and size

Fast, competitive quotes with no jargon

Experience across every major industry

Support with risk assessments and legal compliance

Friendly advice, whenever you need it

Straightforward claims process with expert support

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“Our business model is a little complex, but Crowthorne made it simple. I didn’t realise how exposed we were until speaking to them. Now I know we’ve got the right level of cover—and it didn’t cost the earth.”
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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