Public and Employers’ Liability Insurance

Smarter protection for your people and the public.

Public and Employers’ Liability Insurance from Sona Insurance protects your business against claims made by employees, customers, contractors, or members of the public who are injured or suffer property damage as a result of your business activities. Whether you’re on-site, in an office, or out in the field, this is essential cover — and in most cases, a legal requirement.

What is Public and Employers’ Liability Insurance?

These two key policies cover the most common and costly types of claims a business can face:

Employers’ Liability Insurance: legally required for UK businesses, it covers claims made by employees for injury, illness, or death arising from their work
Public Liability Insurance: covers third-party claims from clients, visitors, customers, or members of the public for injury or property damage caused by your business operations.

Whether you employ staff, host visitors, have volunteers, or work in public spaces, these policies form the foundation of your business protection.

Get a Tailored Quote

Why standard policies fall short

Many businesses assume that basic insurance will protect them in the event of a claim from an employee or member of the public. But standard commercial policies — or assumptions about what’s legally required — can leave serious gaps:

Employers’ liability is legally required – but some businesses fall foul of the very few exemptions, or incorrect worker classifications
Subcontractors and temporary staff – may not be covered unless specifically declared
Inadequate limits of indemnity – leaving you exposed to large compensation claims or legal fees
No protection for reputational fallout – if a public injury claim goes viral or becomes a PR issue

Without tailored liability insurance, your business could face unexpected legal action, claims you can’t afford to fight, or even fines for non-compliance with UK law.

Get a Tailored Quote

How Sona Insurance protects you

At Sona Insurance, we help you get the right level of liability cover — without overpaying or missing critical risks. We look at your working environment, staff setup, subcontractor use, and client interaction to build a policy that reflects your actual exposure. We also explain the small print clearly, so you understand what’s covered, what’s excluded, and what evidence you’d need to defend a claim.

What’s typically covered?

A tailored Public and Employers’ Liability Insurance policy from Sona Insurance can include:

Legal costs and compensation claims for injury or illness
Third-party property damage
Cover for full-time, part-time and temporary employees
Subcontractor liability (where required)
Accidents on your premises or at client sites
Cover for events, public interaction, or hazardous work environments

We ensure your policy is contract-ready, compliant, and future-proofed.

Get a Tailored Quote

Why choose Sona Insurance?

Tailored public and employers’ liability insurance: for SMEs and growing businesses
Legal compliance: especially for employers under UK law
Clear guidance on limits and exemptions
Real broker support: not just a generic portal
Wide market access: to find the right price and terms
Support across sectors: from property and retail to construction and consultancy

Get a Tailored Quote

Protect your team. Protect the public. Protect your business.

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your public and employers’ liability insurance needs.

Get a Tailored Quote