Public Liability Insurance

Essential insurance for freelancers and self-employed professionals. Cover for if you accidentally do something to hurt someone or damage their property.
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Why buy Public Liability insurance?

If you meet with clients, work in a shared work space, or interact with anyone else while working, (waitresses, taxi drivers etc.), then you’ll need Public Liability insurance. It covers you if you do something that accidentally harms them or damages their stuff. For instance, if you’re sat in a café and you plug your laptop in and someone trips over your cable and gets hurt. Public Liability insurance is there to help them get back on their feet, and ensure that you can keep working without the distraction of dealing with lawyers or handling an insurance claim.
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Why choose Dinghy Public Liability insurance?

We provide a fully flexible Public Liability insurance that you can turn on and off to fit with your freelancer work-life balance. With zero administration fees our insurance is available when you need it and saving you money when you don’t.

What does Public Liability insurance cover?

  • Injury to people. If someone is injured because of something you did, then they can claim compensation against you for it.
  • Damage to someone else’s property. For instance, if you spill a coffee over someone’s laptop, Public Liability insurance will pay to fix it or replace it.

Do I need Public Liability insurance?

Anyone who comes into contact with other people while working should have Public Liability insurance. If you work in a shared office space, a coffee shop, or have clients come visit you at home, you should buy Public Liability insurance. Your home insurance may provide public liability insurance for working from home, however, work anywhere else and your home insurance won’t cover you.

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How much does Public Liability insurance cost?

The price of Public Liability insurance varies depending on what you do and where you do it. For instance, the risk of injury to a pedestrian from a scaffolder dropping something versus you spilling coffee on them is quite vast. Depending on how hot you take your coffee! Consider some day-to-day worst case scenarios to work out your level of Public Liability.

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How does Public Liability insurance work?

If someone is injured by tripping over your bag, or you accidentally push your chair back into them, then they can claims for compensation from you. Your Public Liability insurer will pay for your legal fees and any damages.

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What level of Public Liability insurance do I need?

It really depends on your own circumstances; the minimum that we offer at Dinghy is £1m to provide for if someone requires long term care from their injuries, as these costs very quickly increase. It is more common for customer to choose £2m Public Liability insurance as the difference in price is not much more compared to the additional peace of mind.

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Our Products

At Dinghy we have carefully crafted our insurance products with the freelancer and self-employed lifestyle at their core. In doing so they fit perfectly with your flexible hours and changing work environments. Reflecting the modern way you do business. Stack them together, manage them easily and get yourself covered.