Public & Third-Party Liability Insurance for Workshops

Protection against injury and property damage claims arising from workshop activities

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PUBLIC LIABILITY COVER DESIGNED FOR WORKSHOPS

  • INJURY TO THIRD PARTIES

  • PROPERTY DAMAGE

  • ON & OFF-SITE WORK

  • LEGAL DEFENCE COSTS

Why Public Liability Insurance Is Essential

Workshops face constant exposure to third-party risk - from customer visits and deliveries to fabrication, repairs and off-site work. A single injury or damage claim can result in substantial legal costs and compensation. Public & Third-Party Liability Insurance protects your business against these financial risks.

What Public & Third-Party Liability Covers


  • Injury to customers, visitors and members of the public
  • Damage to third-party property
  • Claims arising from workshop premises
  • Legal defence costs and compensation awards
  • Off-site work, installations and site visits

Who Needs Public Liability Insurance?


  • Metalwork & engineering workshops
  • Fabrication & welding businesses
  • CNC machining workshops
  • Repair & maintenance workshops
  • Any workshop with customer or delivery access

FREQUENTLY ASKED QUESTIONS

+-What does public liability insurance cover?

It covers claims for injury to third parties or damage to their property caused by your workshop activities, premises, staff or equipment.

+-Is public liability insurance legally required?

It is not legally required, but it is often required by landlords, customers, local authorities and commercial contracts.

+-Does it cover customers visiting my workshop?

Yes. Cover applies to customers, visitors, delivery drivers and other third parties while on your premises.

+-Does public liability cover off-site work?

Yes. Policies can include off-site work, installations and site visits, subject to terms.

+-How much cover does a workshop need?

Most workshops choose £1m–£5m limits, depending on contracts, footfall and risk exposure.

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