Public liability cover

Public liability insurance can cover you for compensation or legal costs if you become liable for damage or injury caused by an accident in a public place.

Occupiers liability insurance covers costs if you became liable for an accident or injury that happens at your home.

Public and occupiers liability is usually included in home insurance policies. This is true for both homeowners and renters. Urban Jungle home insurance policies include occupiers and public liability insurance coverage as standard. Policies start from £5 a month. Get a quote in minutes!

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Public liability cover

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Public liability insurance can cover you for compensation or legal costs if you become liable for damage or injury caused by an accident in a public place.

Occupiers liability insurance covers costs if you became liable for an accident or injury that happens at your home.

Public and occupiers liability is usually included in home insurance policies. This is true for both homeowners and renters.

Urban Jungle home insurance policies include occupiers and public liability insurance coverage as standard. Policies start from £5 a month. Get a quote in minutes!

What is public liability insurance?

So you may be asking, ‘what is the definition of public liability insurance?’ and ‘what does public liability insurance mean in the UK?’.

The definition of public liability insurance breaks down to:
Public - the law that deals with things that affect the general public.
Liable - something you’re legally responsible for.

It’s also sometimes abbreviated as ‘PL insurance’ and ‘PLI insurance’. Essentially public liability insurance cover is there for when accidents happen unexpectedly, and a person involved gets hurt and seeks compensation through legal means.

As liability insurance covers people in their homes - it’s typically included within home insurance policies rather than sold as a separate stand-alone policy.

Urban Jungle policies include cover for public liability and many other things too. Find out more about our Buildings Insurance, Contents Insurance, and Buildings & Contents Insurance on our website.

What does public liability insurance cover in the UK?

What public liability insurance and occupiers liability insurance covers will usually depend on the policy you buy. Urban Jungle insurance policies are designed to cover legal costs or compensation if someone successfully finds you legally liable for an accident that happens at your property or anywhere in the world.

So, when do you need public liability insurance? Basically, accidents happen and unexpected legal costs could be expensive. For example, it’s designed to cover things like...

  • Injury
  • Damage to property
  • Injury to domestic staff
  • Injury
  • Damage to property
  • Injury to domestic staff

Urban Jungle policies include public liability insurance cover as standard, for up to £2 million for overall costs and £20,000 for legal defence costs.

If you’re a homeowner, Urban Jungle liability cover also includes cover for legally liability for duty of care on work carried out on a home you owned, as described under Section 3 of the Defective Premises Act 1972.

What does public liability insurance not cover?

Depending on the policy you have, there are some things that won’t be covered by public liability insurance policies. An Urban Jungle’s public liability insurance policy doesn't cover…

  • Deliberate acts to cause damage or injury.
  • Costs other than legal expenses - like repairing the damage to your house or medical bills.
  • Employees who aren’t domestic staff - if you have a business you may need business public liability insurance or employers liability insurance.
  • Deliberate acts to cause damage or injury.
  • Costs other than legal expenses - like repairing the damage to your house or medical bills.
  • Employees who aren’t domestic staff - if you have a business you may need business public liability insurance or employers liability insurance.

As a general rule, it’s always important to check the policy document of the insurance before you purchase to make sure it suits you. You can check out our Buildings Insurance policy document, Contents Insurance policy document, and Buildings and Contents Insurance policy document online.

How to get public liability insurance in the UK

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If you’re wondering, ‘where can I get public liability insurance?’, the quickest way to get public liability insurance is an online quote.

It’s typically an ‘add-on’ to home insurance policies, but at Urban Jungle it’s included as standard. To get public liability insurance simply get a home insurance quote.

Buy Urban Jungle public liability home insurance by clicking here!

When getting a public liability insurance quote, as part of your home insurance we’ll ask you a set of questions about your current circumstance, for example where you live and who you live with. We make buying public liability insurance simple with our easy questions meaning you can be covered in minutes.

More details about our Buildings Insurance, Contents Insurance, and Buildings and Contents Insurance are available to read through online.

How much is public liability insurance in the UK?

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How much does public liability insurance cost in the UK? Read on to get the low down on public liability price.

If sold as an ‘add-on’ to home insurance policies a price will be displayed. If included as standard there won't be a price displayed for this cover. The cost of public liability insurance in the UK would be incorporated into the total price of your home insurance policy. While an amount might not be displayed when you’re buying your policy, typically the public liability insurance cost will depend on the provider you buy your home insurance policy from and the cover levels. The cover levels will be the maximum amount of money the insurance provider might pay for legal costs or compensation.

The average cost of public liability insurance can be hard to estimate, but at Urban Jungle public liability cover is included in our home insurance which starts from just £5 a month!

How much does public liability insurance cost in the UK? Read on to get the low down on public liability price.

If sold as an ‘add-on’ to home insurance policies a price will be displayed. If included as standard there won't be a price displayed for this cover. The cost of public liability insurance in the UK would be incorporated into the total price of your home insurance policy. While an amount might not be displayed when you’re buying your policy, typically the public liability insurance cost will depend on the provider you buy your home insurance policy from and the cover levels. The cover levels will be the maximum amount of money the insurance provider might pay for legal costs or compensation.

The average cost of public liability insurance can be hard to estimate, but at Urban Jungle public liability cover is included in our home insurance which starts from just £5 a month!

Piggy bank.

Do I need public liability insurance?

A house with orange doors and windows.

You may be wondering… who needs public liability insurance in the UK? Public liability insurance can be added onto or included in home insurance policies whether you’re a homeowner or a renter.

So is public liability insurance a legal requirement? Or, is public liability insurance compulsory? While public liability insurance isn’t a legal requirement or compulsory to all home insurance policies, it’s a part of insurance you may want to consider.

It’s up to you to decide if you need public liability insurance - but choosing a policy that includes it as standard, could make life a little simpler!

Why choose us?

We’re here to make insurance smart and simple. We know you’ve got a million and one things you’d rather be doing, so we’re here to make insurance simple so you can get back on with your life.

Clear, fair prices

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Unlike some other insurance providers, we don’t charge interest if you pay monthly.

Covered in minutes

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We want to make things as quick and easy as possible, no baffling questions, just a few simple details – we won’t ask how flat your roof is!

Tweak your package

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Design your Buildings Insurance policy to suit you. Add the coverage you need, take off what you don’t and make changes whenever you need online for free.

Here’s how it works

1
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Give us a few details

Just a few quick and easy questions about your current setup. No unnecessary questions from us.

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Customise your package

Create a policy to suit your needs, like adding Public Liability Cover. Never pay for cover you don’t need.

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Relax. You’re covered

You’re all set! Need to make a change? Update your policy or cancel online for free 24/7.

Get covered

Here when you need us

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Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our FAQs.

Our FAQs Get in touch

Not quite right? Find the policy that’s right for you.

Urban Jungle’s Public Liability Cover is underwritten by Wakam Insurance Company.