Public Liability Insurance in Brighton
Public liability is one of the most requested commercial insurance products—but it's also one of the most commonly mis-bought. Limits are often set based on guesswork rather than contractual obligations, and critical extensions like care, custody and control or pollution liability are frequently overlooked. We review your actual exposure—who you interact with, where you work, what you supply—and structure PL cover that matches. That means the right limit, the right extensions, and wording that won't leave you arguing with insurers when it matters.
Key points
- Any business with customer-facing premises
- Contractors working at client sites
- Event organisers
- Retailers and hospitality businesses
- Service providers visiting homes
- Businesses using shared workspaces
Frequently asked questions
- Is public liability insurance a legal requirement?
- Public liability insurance is not legally required, but it's essential for most businesses. Many contracts, landlords and venues require proof of public liability before you can work or trade.
- How much public liability insurance do I need?
- Common limits are £1 million, £2 million, £5 million or £10 million. The right level depends on your business type and contractual requirements. We can advise on appropriate cover.
- Does public liability cover my products?
- Yes, products liability is typically included within public liability policies. This covers claims arising from goods you sell, supply or manufacture.
- What is care, custody and control and why does it matter?
- Standard public liability often excludes damage to property in your care, custody or control—such as a client's laptop you're working on or equipment you've hired in. If your work involves handling third-party property, ask us to add the relevant extension so the cover responds.
This page is part of https://becks.insure/public-liability-insurance-brighton. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.