What Is Public Liability Insurance & Do You Need It as a Freelancer? (2026 Guide)
Public Liability Insurance is one of the most common types of business cover in the UK — but many freelancers aren’t quite sure whether they actually need it.
This guide breaks down, what Public Liability Insurance covers, who needs it, how much it costs, and when it becomes essential for freelancers and small businesses in 2026.
🛡️ What Is Public Liability Insurance?
Public Liability Insurance (PL) protects you if someone claims you caused:
- Accidental injury
- Damage to their property
- Damage to a venue or workspace
It covers compensation claims, legal fees, and other costs — which can easily reach thousands.
👉 If you want to compare insurance providers, check our new 2026 guide: Compare Insurance Providers for 2026
❓ Do Freelancers Need Public Liability Insurance?
Legally, most freelancers don’t need PL insurance, but many still benefit from it.
It becomes essential if you:
- Work at client homes or offices
- Attend events, shoots, or workshops
- Run pop-up stalls
- Use equipment around the public
- Work at venues that require insurance
👉 Many clients will not hire you without PL cover.
🛡️ What Does Public Liability Insurance Cover?
PL typically covers claims involving:
- Injury to third parties – Example: A client trips over your cable during a photoshoot.
- Damage to property – Example: Knocking over a drink onto a client’s laptop.
- Damage to hired venues or spaces – Example: Equipment scratches a venue wall.
- Legal fees – Your insurer manages legal defence costs.
- Compensation payouts – If you’re found legally liable, the insurer covers the compensation.
🚫 What Public Liability Doesn’t Cover
PL insurance does not cover:
- Your own injuries
- Damage to your own kit
- Mistakes in your work (that’s PI insurance)
- Lost income (that’s income protection)
- Employee injuries (requires Employers’ Liability)
👥 Who Needs Public Liability Insurance Most?
PL is ideal for freelancers working in person, including:
- Photographers & videographers
- Fitness trainers
- Event freelancers
- Trades & technicians
- Makeup artists & stylists
And anyone visiting client premises:
- IT support
- Consultants
- Designers attending workshops
If your work involves physical locations or people, PL is one of your most important policies.
💰 How Much Does Public Liability Insurance Cost in 2026?
Typical UK freelancer pricing:
- £50–£150/year for digital/creative roles
-
£150–£300/year for higher-risk roles (events, trades)
Your industry, location, and client type all affect premiums.
📏 How Much Cover Do You Need?
Common cover levels:
- £1 million (minimum for low-risk freelancers)
- £2 million (standard for most professionals)
- £5 million (often required by event venues)
If you work at large venues or events, always check the minimum requirement.
📉 Is Public Liability Insurance Tax-Deductible?
Yes — it is an allowable business expense for sole traders and limited companies.
⭐ Where to Buy Public Liability Insurance
Recommended: PolicyBee
PolicyBee offers simple, flexible PL policies designed for freelancers and small businesses. They’re known for:
- quick online quotes
- clear, jargon-free explanations
- fair pricing
- helpful UK-based support
🔄 Public Liability vs Professional Indemnity
| 🛡️ Public Liability | 📄 Professional Indemnity |
|---|---|
| Covers injury/property damage | Covers financial loss caused by mistakes |
| Helps with in-person work | Helps with advice, design, consulting |
| Physical risk | Intellectual/creative risk |
Many freelancers need both.
📌 Conclusion
Public Liability Insurance isn’t legally required for most freelancers, but it’s vital if you work with clients in person or handle equipment around the public. A single accident can cost thousands; PL insurance protects you from that risk and helps you secure better, higher-paying projects.
Read next:
👉 Professional Indemnity Insurance for Freelancers
👉Tools & Equipment Insurance for Freelancers