Public Liability Insurance FAQs
Here are some of the most frequently asked questions about Public Liability insurance.
Public liability insurance covers you if a member of the public is injured or their property is damaged due to your business activities. At Red Apple Brokers, we help businesses and sole traders find affordable, tailored cover to protect against costly legal claims or compensation payouts.
If you interact with customers, clients, or the general public — either at your premises or theirs — you likely need public liability insurance. This includes:
- Tradespeople (e.g. plumbers, electricians, builders)
- Shop or salon owners
- Freelancers working on-site
- Event organisers
- Landlords with public access to properties
If you're unsure, our team at Red Apple Brokers can assess your risk and advise accordingly.
Public Liability insurance can cover:
- Compensation claims for injury or property damage
- Legal fees and defence costs
- Accidents caused by your employees or business operations
- Claims arising from events, faulty work, or products you’ve supplied
Red Apple Brokers can tailor your policy based on your business type and level of risk.
If someone makes a claim against you and you're not insured, you could be left to pay legal fees and compensation out of your own pocket. At Red Apple Brokers, we’ve seen how unexpected claims can put small businesses and sole traders at serious financial risk — sometimes even threatening their ability to continue operating. That’s why we’re here, to help you stay protected before the unexpected happens.