Liability Insurance

Public & Employers’ Liability Insurance Made Simple! 

At Paul Smith Associates, we make arranging public and employers’ liability insurance easy, clear, and tailored to your specific needs. We support businesses of all sizes across the UK—whether you’re a sole trader, contractor, freelancer, or run a larger company with employees. Having the right liability insurance in place is essential for protecting your business from unexpected claims and meeting legal or contractual requirements.

Public liability insurance is one of the most widely used types of business cover. It protects your business if a third party—such as a client, supplier, or member of the public—is accidentally injured or their property is damaged because of your business activities. This type of insurance is especially important for those who work on-site, in public spaces, or interact regularly with customers. It can help cover legal fees, compensation payments, and more, shielding your business from costly disruptions.

If you employ anyone—even on a part-time or temporary basis—employers’ liability insurance is a legal requirement in the UK. This cover protects you against claims made by employees who become injured or ill due to their work. Without it, businesses can face fines of up to £2,500 per day and additional legal complications.

At Paul Smith Associates, we work with a trusted network of leading UK insurers to find competitive quotes and flexible cover that suits your industry and level of risk. Whether you need basic liability protection or a more comprehensive insurance package, our experienced brokers will guide you through the process with clear, honest advice and fast turnaround times.

Contact us today for a free, no-obligation quote. With Paul Smith Associates, getting the right public and employers’ liability insurance is simple, affordable, and hassle-free. Don’t wait for a claim—protect your business today.