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Business risk

What public liability usually protects against

Public liability generally responds to third-party injury or property damage linked to business activities, subject to wording, exclusions, and policy limits.

5 min read2026-04-20

Public liability is commonly discussed when a business interacts with customers, visitors, suppliers, contractors, landlords, or members of the public. It may become relevant if business activity causes injury to another person or damage to someone else's property.

Examples can include a customer slipping in a store, a contractor damaging a client's premises, or a product display damaging property. The exact response depends on the policy wording, facts, exclusions, excess, and legal liability position.

A common misunderstanding is that public liability covers every dispute with a customer. It usually does not replace professional indemnity, statutory liability, product recall, cyber cover, or contract performance obligations.

When discussing public liability, the useful questions are practical: where do people visit, what work is done away from premises, what goods are sold, what subcontractors are used, and what contracts require.

Questions to consider

Before speaking with an adviser

  • Do customers, visitors, landlords, or contractors come onto your premises?
  • Do you or your staff work at client sites?
  • Do you sell, install, import, or distribute physical products?
  • Do contracts specify a required liability limit?

Useful next steps

Preparation

  • Prepare examples of your normal business activities.
  • Check lease and contract insurance requirements.
  • Ask how the policy treats subcontractors, imported goods, and work away from premises.

Prepare your risk context before the adviser conversation.

iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.

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