Public Liability Insurance
Safeguard your business and your clients
Cover when working in customer homes, commercial premises, and public spaces.
What is Public Liability cover?
Public Liability insurance helps protect your business if a member of the public is injured or their property is damaged as a result of your work. Whether the incident happens on your premises or at a customer’s location, this insurance covers valid claims, legal fees, and any compensation you may be required to pay.
While Public Liability insurance isn’t required by law in the UK, many clients, local authorities, and commercial partners will ask for it before agreeing to work with you. If your company deals with the public, including movers, storage operators, and service teams working in customers’ homes, it is an essential safeguard.
Typical protection includes:
- Personal injury: covering compensation claims if a member of the public is hurt due to your activities
- Property damage: protection if you accidentally damage a third party’s belongings or premises
- Legal costs: covering the expense of investigating, defending, and settling claims
Typical exclusions include:
- Employee injury (covered separately under Employers’ Liability)
- Damage to your own property
- Deliberate acts
Why do you need it?
In moving and storage, your teams work in environments that are constantly changing:customer homes, commercial premises, warehouses, even public spaces. This level of interaction comes with a higher exposure to risk.
If a customer trips on your premises, or if you accidentally damage flooring, walls, or fixtures while moving goods into a new property, you may be held legally responsible. Public Liability insurance responds to these situations, protecting your business from potentially significant costs and ensuring claims are handled professionally.
Because we know the industry well, we understand the specific scenarios in which liabilities often arise, and we can guide you toward the right level of protection for the way your business operates every day.
What does it cover?
We tailor every Public Liability policy to reflect the real risks your business faces. By working directly with specialist underwriters, we negotiate cover that aligns with the way you move, store, and protect your customers’ goods.
Your policy can include protection for:
- Personal injury: claims from members of the public for physical harm caused by your business activities
- Property damage: accidental damage to third-party belongings or premises while carrying out your work
- Legal expenses: defence costs, investigation fees, and compensation awarded if your business is found liable
With Reason Global, your insurance cover is designed with clear terms, careful attention and the experience that comes from working exclusively within your industry, ensuring you are protected not by chance, but by reason.
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Don’t leave liability to chance
Speak with us to design bespoke cover that protects against legal, operational, and financial risks across your business.
Speak to our TeamLloyd’s of London Broker
We are the only Lloyd’s of London broker solely dedicated to the moving, self-storage and international relocation industries.
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