Menu
cgguernseyPhone 01481 728 987

Public Liability Insurance

  • Essential cover to protect you & your business from compensation claims from the public
  • Versatile cover & a wide range of insurers available & other commercial insurance covers available as a package inc. Employers Liability
Get Quote Speak To Us

Why do I need public liability insurance?

This policy covers you against claims made by members of the public arising from the course of your normal business activities. This can range from clients visiting your offices / property, to any business deliveries you may make or work undertaken at a customer’s property. That is by no means an exhaustive list – public liability is designed to be a versatile cover that provides you with protection from the risks that arise from normal business activities when interacting with the public.

The usual claims we see from public liability policies provide good guidance on why it is good practice to hold a public liability policy. Not only can these claims be enormously costly – you could be held personally liable if you do not have an insurance policy to protect you or your business. These claims mainly come as a result of injury, illness or damage to property caused to a member of the public which arose from your business activities. This could be a tradesman dropping a can of paint on an expensive new carpet at a clients residence. It could equally be a member of the public tripping and injuring themselves in your shop or office.

How expensive is public liability insurance?

The cost of public liability insurance is linked to your business activities primarily. Usually the more manual the work undertaken or any element of hospitality or retail; where footfall of customers & the public is greater – the higher the premium.

However other factors are important as well; e.g. the size of the business, any history of claims and reversely the years experience. There is also a link to the activities undertaken and how insurers perceive this increases / decreases the risk your business is likely to face. This is usually based on industry assumptions and their own data on the level of claims received from respective occupations.

So is public liability insurance a mandatory legal requirement or a nice to have?

Public liability insurance is not mandatory other than for some very specific industries.

Premiums for smaller firms or individuals who trade on a casual basis (e.g. a market trader on a weekend) may be tempted to forgo the need for public liability insurance but the cost of litigation and of defending claims in Guernsey – however remote you feel the risk to be – can be significant.

What indemnity level do I need?

Most businesses will either purchase £1M or £2M of public liability cover. it depends on the level of cover they feel they need and what level of cover they are happy with.

You can of course request quotes ofr the different levels of indmnity cover – which is usually in common increment options of £1M, £2M, £5M and £10M plus.

Some of our insurer’s policies provide up to £10 million of cover. This is usually required as a result of a specific contract or requirement for undertaking as stipulated by a third party venue or organisation. An example would be a tradesman working on a very expensive commercial hotel – may be required to have public liability cover for £10M and some government contracts require £5M with proof of cover before you can begin work.

Get a Quote Speak To Us View All Insurance Products

What our clients say

Discover what our clients are saying on the most trusted review platforms

  • We have a  4.45 Rating on 986 Reviews

Review Stars Review Stars Review Stars Review Stars Review Stars
Sarah 

This week, I ended up in hot water with my insurance due to endorsement points. I have a wedding car company so it is imperative that I have the correct insurance as I carry couples on their special day. The endorsement points became a sticking point however, Liam from CG went over and above to help me. He was empathetic to my circumstances, informative, direct and genuinely did the best he could to ensure my cars were insured and to keep business operating as usual. Liam executed a 5 star service, an unparalleled quality of service, second to none. I would highly recommend Liam and the team at CG in any case but particularly if you want a loyal, dedicated firm who will try their best to get the right outcome for you from the underwriter. Thank you again Liam. You are a credit to CG. I am truly grateful.

Posted 2 days ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Anthony Davies 

Jennifer Ford has given Excellent service very quick at helping out and very polite so much easier and better than stuck in a phone call que

Posted 4 days ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Bogdan 

Thank you Kirk Ollerenshaw ! 5 star costumer services i don’t have enough words to thank you

Posted 2 weeks ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Graham Marchant 

I’ve used CG since I started as a car trader. They have always been very helpful. My current main contact as regards MID alterations, is Serena Horsewell. She is very efficient and friendly and always responds within 24hrs. My initial use of CG was through Shaun, who is in charge of new business in Edinburgh. He’s always been a great source of help and advice. If you are after some friendly advice, he’s definitely the guy to ask.

Posted 3 weeks ago

Review Stars Review Stars Review Stars Review Stars Review Stars
David Lessman 

Efficient and prompt response to queries. Also happy with renewal premium.

Posted 3 weeks ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Zak 

Serena Horsewell, is prompt even as late as 9pm on Friday she responded on policy and MID queries. Thank you for reassurance. Clegg & Gifford have been average with aftershaves generally, but a resent introduction of staff over the past few years has proven a sucess. Thanks again.

Posted 1 month ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Zoe 

Serena is brilliant, I work for a broker and she is amazingly responsive, friendly and beyond helpful. Serena always goes that extra mile, especially with all my MID updates - she responds quickly and is always on hand if any issues arises and solves it quickly.

Posted 1 month ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Henry Raffe 

Excellent company to deal with Joanne always very helpful with any problems you nay have

Posted 1 month ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Nick 

I have just been in touch with Serena at Cleg Gifford at gone eight in the evening and got a message back removing a car from the MUD brilliant!

Posted 2 months ago

Review Stars Review Stars Review Stars Review Stars
Anonymous 

Brilliant service thanks

Posted 2 months ago

Review Stars Review Stars Review Stars Review Stars Review Stars
Anonymous 

Have been using clegg and Gifford for many years and have no issues at all, always been very good, especially Serena who is extremely helpful.

Posted 2 months ago

Why use Clegg Gifford?

  • Local office with friendly, helpful staff

    Unlike online insurers or UK-based call centres, you can pop in to speak to a human at our offices in Admiral House. Our staff are always happy to help with any enquiries you might have and guide you through the insurance-buying process. We are proud to support the local community and invest in local services for your convenience.

  • We use flexible insurers and aim to cater for unique circumstances

    Every risk is different and every person has unique circumstances to accommodate. Try us for those complicated or hard to place policies. Equally for those without insurance history, or with claims, we will strive to find a suitable policy that caters for your specific requirements.

  • You can place your commercial and personal insurance under one roof

    It’s far easier to deal with one broker for all your insurance needs. With a wide range of products available from different insurers, we can be your one-stop-shop for all your insurance needs either for yourself our wider family or your business. For instance – our family fleet policy enables you to place all of your household’s vehicles including cars, vans and bikes under one flexible policy.

  • The local factor – Guernsey expertise counts!

    One of the benefits of having been in the island for so long is that we can feedback the unique needs of islanders back to insurer partners. This counts when it comes to claims arrangements and for instance fighting for local choice on repair networks. It also means working with insurers to create flexible products such as our unique family fleet policy, which makes arranging insurance for your whole family that much less stressful – one premium, one renewal date, one policy.

Our Products

Motor Insurance
Westminster and Guernsey icons-01
Get a Quote
Close X







    By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

    Discover More
    Family Fleet Insurance
    Westminster and Guernsey icons-05
    Get a Quote
    Close X







      By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

      Discover More
      Public Liability Insurance
      Westminster and Guernsey icons3-03
      Get a Quote
      Close X







        By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

        Discover More
        Household Insurance
        Westminster and Guernsey icons-03
        Buy Now Discover More
        Marine Insurance
        Westminster and Guernsey icons-02
        Get a Quote
        Close X







          By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

          Discover More
          View All