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PUBLIC LIABILITY INSURANCE FOR SHOPS & RETAILERS
Public and customer liability insurance protects shop owners if a customer, visitor or member of the public is injured or their property is damaged while on your premises. It covers legal defence costs, compensation and settlements arising from claims.
What Does Public Liability Insurance Cover?
- Customer slip, trip & fall claims
- Injury caused by shelving, displays or fixtures
- Damage to customers’ personal property
- Legal defence costs & compensation awards
- Incidents inside or immediately outside the shop
- Accidents involving deliveries or contractors
Common Public Liability Claims in Shops
- Wet floors or spillages
- Uneven flooring or loose mats
- Falling stock or unstable shelving
- Trips caused by packaging or deliveries
- Injury to children in-store
- Damage to customer vehicles or belongings
How Much Public Liability Cover Do Shops Need?
Most shops choose cover limits of £2 million, £5 million or £10 million, depending on footfall, shop size, location and contractual requirements.
Why Arrange Public Liability Insurance with Insure24?
- Specialists in retail & shop insurance
- Flexible limits for small shops to large retailers
- Competitive premiums from leading insurers
- Fast quotes and claims support
- UK-based expert advice
FREQUENTLY ASKED QUESTIONS
+-Is public liability insurance compulsory for shops?
Public liability insurance is not legally required, but it is strongly recommended for any shop open to the public.
+-Does public liability cover staff injuries?
No. Staff injuries are covered under Employers’ Liability insurance, which is legally required if you employ staff.
+-What limit of indemnity should I choose?
Most shops choose between £2m and £5m, but higher footfall or landlord contracts may require £10m.
+-Does this cover claims outside my shop?
Yes, cover can extend to incidents occurring immediately outside your premises, such as entrances or forecourts.
+-How much does public liability insurance for shops cost?
Premiums depend on footfall, shop type, claims history and chosen limit. Quotes are often available within minutes.