Public liability cover for the public sector

If you need public liability insurance for your organisation, Zurich Municipal is here for you. We are a trusted insurance provider to thousands of public and voluntary sector organisations across the UK and offer tailored financial protection at competitive prices. Whether you are looking for public liability insurance for schools, local authorities, housing associations or other public sector entities, you can rely on us.

Any organisation that comes into contact with the public is likely to need public liability insurance.

It's designed to provide cover for the cost of third-party claims brought by members of the public for incidents connected to your organisation's activities. This includes claims relating to injury, death, or the loss of or damage to property.

What does our public liability insurance cover?

• Compensation claims related to accidental personal injury or death suffered by a third-party
• Compensation claims related to accidental loss or damage to the property of a third-party
• The cost of legal proceedings relating to such claim
• Legal costs and expenses incurred while defending criminal charges brought under the Health & Safety at Work etc. Act 1974, the Food Safety Act 1990, the Consumer Protection Act 1987 and the Corporate Manslaughter and Corporate Homicide Act 2007

Our public liability insurance policy does not cover:

• Accidents that affect your employees or their possessions (such claims would be covered under employers’ liability insurance)
• Accidents that damage your organisation's premises or property
• Property loss or damage caused by work carried out by your organisation, where this loss or damage is a direct result of the work
• Your policy excess

As with any financial protection, you should always make sure you read the terms of your policy carefully so that you know exactly what you are covered for. If you're unsure of anything, don't hesitate to contact our specialists.

Do I need public liability insurance?

Unlike employers' liability insurance, (which organisations must have if they directly employ people), public liability insurance isn't a legal requirement. However, for many public sector organisations, it should be considered essential. Without this type of cover, you could face potentially significant compensation and legal costs associated with claims brought by members of the public.

Public liability insurance is there to financially protect you from a wide range of risks, from slip claims to legal action brought as a result of property damage.

Having suitable public liability cover in place helps to ensure that your finances are protected if the worst should happen, allowing you to focus on delivering your services.

How much does public liability insurance cost?

The cost of public liability insurance depends on a range of factors, including the size of your organisation, the type of work you do, your claims history, and the amount of excess you choose. Speak to us to discuss a personalised public liability insurance quote for your organisation.

Does public liability insurance cover personal injury?

Public liability insurance covers personal injuries suffered by third-parties, but it does not cover injuries suffered by employees within your organisation. Personal injury to employees is covered by employers' liability insurance (where the injury is held to be a result of negligence by the employer).