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18) Does your organisation have public liability insurance?

August 30, 2022
Public Liability Insurance

Answer yes if your organisation holds a valid public liability insurance policy. Please provide the certificate of insurance (as a PDF file) as evidence

Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. Policies vary from insurer to insurer, but most public liability policies cover you for:

  • incidents that occur on your business premises
  • incidents that take place off-site, at events or activities organised by your company

Public liability insurance covers anyone, apart from employees, with whom you interact as part of your business operations such as:

  • people visiting your business
  • customers
  • clients
  • people taking part in events or activities you have organised
  • people watching events or activities you have organised

Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers’ liability insurance (see K22).

Public liability insurance covers the cost of compensation for:

  • personal injuries
  • loss of or damage to property
  • death

Do I need it?

Public liability insurance may not be a legal requirement in some jurisdictions, however it is good business practice and you should consider public liability insurance if:

  • you own business premises that members of the public, customers or clients visit
  • your business organises off-site events or activities that are attended by members of the public

How to implement the control

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