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PUBLIC LIABILITY COVER DESIGNED FOR WORKSHOPS
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INJURY TO THIRD PARTIES
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PROPERTY DAMAGE
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ON & OFF-SITE WORK
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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.
Related Workshop Liability Guides
Public liability pages should connect visitors into customer injury, product liability, premises risks and package-cover decisions. These links keep that journey focused on related workshop insurance pages.