Public liability insurance is financial protection for your business should you be found liable for an injury to a third party or damage to their property as result of carrying out your occupation or business.  

This would include any financial losses they had incurred as a direct result of the injury or loss for which you are found liable.

Public liability insurance is financial protection for your business

What does public liability insurance cover?

Public liability insurance will usually cover the financial award made to the claimant if you are found liable for their injury, or for their property which was damaged and any financial consequences to them as a direct result of the injury or property damage. 

Public liability insurance is financial protection for your business

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Who offers public liability insurance in Ireland?

Zurich - Home Insurance
Allianz - Home Insurance
FBD - Home Insurance
AXA - Home Insurance
Aviva - Home Insurance
AIG - Home Insurance

How to compare public liability insurance policies?

Generally, public liability insurance is offered as part of a wider business package tailored to the specific needs of your business. 

It is wise to be very clear about the nature of your business or specific occupation as your public liability insurance requirements may depend on this, also you may not be covered for carrying out any work or business activities which are not specifically covered in your policy.

The limit of indemnity of your public liability insurance policy will be determined by several factors including the size and nature of your business, the extent of your contact with the general public, and other factors.  Limits of indemnity can range from €1.3 million upwards.

Some policies will cover you for carrying out business activities away from your primary location and some will only cover you on your business premises.  This will depend on the nature of your business, trade, or profession and on the policy you choose.

The level of the excess on your policy can vary.  It may be tempting to take a policy with a high excess to lower your premium, however, be wary as you will typically have to pay this excess each time you need to make a claim.

What are differences from policy to policy that affect how well suited they are to you.

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1. Select Your Product

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Who should consider public liability insurance?

Anyone who is involved in a business, trade, or whose occupation involves members of the public, or dealing directly with clients, customers, or visitors to your premises should have public liability insurance.

  • Offices
  • Shops
  • Surgeries
  • Hair & Beauty
  • Food & Hospitality
  • Contractors
  • Freelancers
  • Leisure and Entertainment Venues
  • Motor trades
  • Commercial Units
  • Landlords
  • Sports clubs

Public liability insurance is not a legal requirement in Ireland, but it is strongly advised as a costly public liability claim could put you out of business.  Even if you are not found to be negligent or liable for injury or property damage, you will still face the cost of defending a claim.

For peace of mind, and to protect you from potentially financially devastating consequences, it is wise to arrange appropriate public, product, and/or employer’s liability cover.

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