Public liability insurance (PLI) isn’t legally required for most freelancers — but for many, it’s a smart layer of protection. It covers legal fees and compensation if someone is injured or their property is damaged due to your business activities.
So, do you need it? Let’s break it down.
🧐 What Does Public Liability Insurance Cover?
- Claims made by clients or members of the public
- Accidental injury or property damage caused during your work
- Legal defence costs if someone sues you
- Payouts for compensation if you’re found liable
👤 Who Should Consider It?
- Freelancers who meet clients face-to-face (e.g. hairdressers, photographers, tutors)
- Those working in client offices or public spaces
- Anyone who runs workshops, events, or pop-ups
- Home-based freelancers receiving visitors
Even if you work remotely, some clients require you to hold PLI as part of their contracts.
🔍 Example Scenarios
- A photographer knocks over expensive equipment at a client’s venue
- A mobile hairdresser spills dye on a customer’s carpet
- A tutor hosts a session and the student trips over loose wires
Without cover, you’d pay out of pocket — including legal fees.
🛡️ Compare Freelancer Public Liability Quotes
Here are two insurers popular with UK freelancers:
✅ Simply Business
- Compare quotes from top UK insurers
- Add PLI, professional indemnity, and more
- Instant documents & flexible policies
✅ Superscript
- Monthly cover available — ideal for flexible freelancers
- Add cover types easily as your work evolves
- Easy online setup
📥 Want to Compare Options Side-by-Side?
👉 Visit our Freelancer Insurance Comparison Guide
📌 Final Thoughts
While public liability insurance isn’t a legal requirement for most freelancers, it can save you from huge unexpected costs. If you meet clients or work in public, it’s worth the peace of mind.