Running your own business—whether as a sole trader, freelancer, or small enterprise—comes with a world of freedom, but also its fair share of responsibilities. One of the biggest yet often overlooked risks is the potential for a public liability claim. If you come into contact with members of the public during your work, even something as minor as a trip over a cable or a spill on the floor could lead to a costly legal claim.

At UK Mortgage Finder, we’re not just committed to matching people with the right mortgage broker—we’re also here to help small businesses find the right protection. No matter your situation, we’ve got you covered.

What Is Public Liability Insurance?

Public liability insurance is designed to protect your business if a member of the public is injured or their property is damaged due to your business activities. It helps cover legal costs, compensation payouts, and associated expenses that could otherwise cause serious financial damage to your business.

Real Risks, Real Protection

Imagine you’re a self-employed electrician working at a client’s home and someone trips over your toolbox. Or perhaps you run a small café and a customer slips on a wet floor. These situations may seem minor but can result in expensive claims. Without the right insurance in place, such incidents can be financially devastating.

That’s where public liability insurance steps in. It gives you the confidence to carry out your work knowing you have a safety net in place if things go wrong.

Who Needs Public Liability Insurance?

This type of cover is essential for:

• Tradespeople like builders, plumbers, and electricians

• Retailers and shop owners

• Café and restaurant operators

• Fitness professionals and personal trainers

• Event organisers

• Freelancers working in client-facing roles

Even if your business is home-based, if clients or couriers visit your property, you may still need public liability cover.

What Does It Typically Cover?

A good public liability insurance policy will usually cover:

• Injury to a third party (e.g. customer, visitor, or passer-by)

• Damage to third-party property

• Legal fees and compensation

• Claims made due to negligence or accidents caused by your business activities

It doesn’t cover injury to you or your employees—that’s what employers’ liability or personal accident insurance would be for.

UK Mortgage Finder: Supporting Small Businesses

At UK Mortgage Finder, we recognise that every business has its own risks and requirements. That’s why we work with a network of trusted partners to help you find insurance that fits your profession, your business size, and your budget.

Just like finding the ideal mortgage broker, choosing the right insurance cover starts with understanding your unique circumstances—and that’s what we do best.

Final Thoughts

If your business interacts with the public in any way, don’t leave yourself exposed to the unexpected. Public liability insurance isn’t just a formality—it’s an essential shield that protects your livelihood, your reputation, and your future.

Get in touch with UK Mortgage Finder today to explore your options and ensure your business is protected, whatever comes your way.