Business insurance

Business insurance guides

Employer liability, public liability, business interruption and specialist commercial covers explained.

14 guides4 topics

Public Liability Explained

Public liability covers claims from third parties for injury or property damage linked to your business activities.
It does not cover injuries to employees — that’s employers’ liability.
Limits matter: common limits are £1m–£10m depending on your work and contracts.
Check territorial limits (UK-only vs worldwide), and whether products/completed work are included.
Keep good incident records — they help claims and reduce disputes.

Pick the closest match. Each path leads to a curated cluster of guides.

The essential covers explained.

Employer liability, public liability, BI cover.

Niche and complex commercial covers.

Commercial claims and your rights.

2 guides

4 guides

1 guide

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Complain to the firm first (insurer, broker, or intermediary) in writing if possible
Firms usually have up to 8 weeks to provide a final response
If eligible, you can escalate to the Financial Ombudsman Service (FOS)
Keep a clear timeline, evidence, and what resolution you want
Complaints are free to make—don’t pay third parties unless you choose to