{"id":35701,"date":"2023-11-01T11:12:08","date_gmt":"2023-11-01T11:12:08","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/uk\/business-insurance\/public-liability-insurance\/"},"modified":"2026-04-06T09:25:11","modified_gmt":"2026-04-06T09:25:11","slug":"public-liability-insurance","status":"publish","type":"business-insurance","link":"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/","title":{"rendered":"Public liability insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35701\" class=\"elementor elementor-35701\" data-elementor-post-type=\"business-insurance\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb48797 e-con-full e-flex e-con e-parent\" data-id=\"fb48797\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14969c7 elementor-widget elementor-widget-template\" data-id=\"14969c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"37170\" class=\"elementor elementor-37170\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1627fc51 e-flex e-con-boxed e-con e-parent\" data-id=\"1627fc51\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1c7a454e e-con-full e-flex e-con e-child\" data-id=\"1c7a454e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75569705 elementor-widget elementor-widget-heading\" data-id=\"75569705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Public liability insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e763b2 elementor-widget elementor-widget-text-editor\" data-id=\"8e763b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Provide us with your details and one of our insurance experts will contact you to discuss your requirements<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cea96c4 form-insurance elementor-widget elementor-widget-button\" data-id=\"cea96c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-598bea93 e-con-full e-flex e-con e-child\" data-id=\"598bea93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a963193 elementor-widget elementor-widget-ucaddon_senja_testimonials_post\" data-id=\"a963193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_senja_testimonials_post.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n <div id=\"senja-testimonials-post\" class=\"owl-carousel owl-theme\">\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n James Forsberg <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2xGcFQwMUtabm8zZUZKRlkwSlNiSHB2ZEdkcFptYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOlFpT01KZno3eFJFY0JSbHpvdGdpZmc%7C0dgc2R9bWNc%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Friendly and very knowledgeable staff. Fantastic service. <\/div>\n\n <div class=\"date\">\n Mar 12, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Jamie Petrie <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2tKcFpUYzJTRzR0TkRSaWIzWjVUMk5YV0VJM2FuYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOkJpZTc2SG4tNDRib3Z5T2NXWEI3anc%7C0dg6RXVMS5F%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Grateful for all your help Swoop!\nGreat platform and great people. Easy to use system with a really friendly team guiding me all the way. Will be back again. <\/div>\n\n <div class=\"date\">\n Mar 10, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Eimee Kennedy <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT21SUmFrUkxjbmhZTldsTFlWZHZaR3BwWVhsT1oyYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOmRRakRLcnhYNWlLYVdvZGppYXlOZ2c%7C0dfnlGCouXV%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Really impressed with Swoop. We were matched with grants and loans we didn\u2019t even realise were available. Super easy to use and just really helpful overall. Very happy. <\/div>\n\n <div class=\"date\">\n Mar 9, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n James Hyde <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT25SbFlrMXhkMU5qVTFKaGRXUnphazluZVZVMFIzYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOnRlYk1xd1NjU1JhdWRzak9neVU0R3c%7C0dfPR5dEoM-%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Swoop helped us find the right funding much more quickly and much more efficiently than going to banks ourselves. A surprisingly simple process and a super helpful team. Thoroughly recommended and will certainly use again. <\/div>\n\n <div class=\"date\">\n Mar 8, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n V Jain <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.trustpilot.com\/reviews\/69ac91f44174005562ae98e7\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/trustpilot-2.svg\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Really good experience from start to finish. <\/div>\n\n <div class=\"date\">\n Mar 7, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.senja.io\/public\/media\/82iC3kvGs8EjiRwZkcgkwav1.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Vivek Jain <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT25KUlNIQmFSbkJNVTNobWNXcGZSVFU1TUVWbFdWRRAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOnJRSHBaRnBMU3hmcWpfRTU5MEVlWVE%7C0df88MK-7Ws%7C?hl=en-GB\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Really good experience from start to finish. <\/div>\n\n <div class=\"date\">\n Mar 7, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Eve Phillips <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2tSemRERjFka28wTmxVdFNtNDVNRzV1Tms5UE9HYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOkRzdDF1dko0NlUtSm45MG5uNk9POGc%7C0deyro_gD_L%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n I was referred here by a friend and now I see why. The service was quick, clear and genuinely helpful. What stood out most was how patient they were answering questions and walking through the options before we decided what to do.\n\nEverything was handled efficiently and the outcome was better than expected. Would definitely use them again. <\/div>\n\n <div class=\"date\">\n Mar 7, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Ryan Andreas <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2xwUlVqbElUbFJCVm5STlFWWTJaV1JRTFZSUWFFRRAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOlpRUjlITlRBVnRNQVY2ZWRQLVRQaEE%7C0dexDJubzQs%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n <\/div>\n\n <div class=\"date\">\n Mar 7, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Rupert Langerman <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2tSc1NEZFNTRUZmVjBoUVZrcENaR3M1YmpaNk0wRRAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOkRsSDdSSEFfV0hQVkpCZGs5bjZ6M0E%7C0delP8P56f6%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Great service. <\/div>\n\n <div class=\"date\">\n Mar 6, 2026 <\/div>\n <\/div>\n <div class=\"testimonial\">\n <div class=\"top\">\n <div class=\"left-content\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/avatar_default.jpeg\" class=\"avatar\">\n\n <span class=\"name\">\n Daniel Weisz <\/span>\n <\/div>\n\n <div class=\"right-content\">\n <a href=\"https:\/\/www.google.com\/maps\/reviews\/data=!4m8!14m7!1m6!2m5!1sCi9DQUlRQUNvZENodHljRjlvT2xjM1pGRmpTRjlZTjNaWVQyTldXWFptZW1GV1QzYxAB!2m1!1s0x0:0x46b0c2ad847ceb0d!3m1!1s2@1:CAIQACodChtycF9oOlc3ZFFjSF9YN3ZYT2NWWXZmemFWT3c%7C0delRgABKLV%7C?hl=en-US\" target=\"_blank\" rel=\"nofollow noopener\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/google-logo.png\" class=\"trustpilot\"><\/a> <\/div>\n <\/div>\n\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/stars-5.svg\" class=\"stars\">\n\n <div class=\"truncate\">\n Swoop are the best in their field <\/div>\n\n <div class=\"date\">\n Mar 6, 2026 <\/div>\n <\/div>\n <\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19b26b3 elementor-widget-mobile__width-auto elementor-widget elementor-widget-html\" data-id=\"19b26b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50d334e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"50d334e\" data-element_type=\"section\" data-e-type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df19946\" data-id=\"df19946\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-606117d uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"606117d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b9b8600 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9b8600\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f6d8dd2\" data-id=\"f6d8dd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dacfcf2 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"dacfcf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a37856 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"9a37856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Public liability insurance\",\n          \n          \"datePublished\": \"2023-11-01T11:12:08+00:00\",\n          \"dateModified\": \"2026-04-06T09:25:11+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Chris Godfrey\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"Chris Godfrey\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a>. <span>Last reviewed on April 6, 2026<\/span>. <span>Next review due April 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c723490 elementor-widget elementor-widget-text-editor\" data-id=\"c723490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Accidents that cause personal injury or damage to the property of the general public or your clients, customers, and suppliers as a result of the services your organisation provides, could have a huge financial impact on your business, or even close your business down. However, public liability insurance is designed to protect against this sort of risk &#8211; providing compensation to claimants in the event of any mishap and giving business owners peace of mind.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd01fa uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"8fd01fa\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be3df18 question elementor-widget elementor-widget-heading\" data-id=\"be3df18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is public liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40b68c1 answer elementor-widget elementor-widget-text-editor\" data-id=\"40b68c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Public liability insurance is a type of <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/\"><span style=\"font-weight: 400;\">business insurance<\/span><\/a><span style=\"font-weight: 400;\"> that protects your organisation if someone is injured, or their property is damaged because of the services that you or your business provides. This type of cover, also known as PL or Liability Insurance, is designed to protect your company against third-party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your business premises \u2013 whether you\u2019re at fault or not.<\/span><\/p><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/public-liability-insurance\/what-is-public-liability-insurance\/\"><span style=\"font-weight: 400;\"><strong>Read more<\/strong>: our detailed guide on what public liability insurance actually is.<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b14513b question elementor-widget elementor-widget-heading\" data-id=\"b14513b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does my business need public liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54ffa0d answer elementor-widget elementor-widget-text-editor\" data-id=\"54ffa0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Public liability insurance is a good idea for almost all businesses, (including <a href=\"https:\/\/swoopfunding.com\/us\/business-glossary\/sole-trader\/\">sole traders<\/a> and the self-employed), and especially those that interact with the general public and work for local councils or central government. Some personal injury or property damage claims can run into the hundreds of thousands of pounds. If your business operations put your organisation in a position where a customer, client, supplier or a passing member of the public (even in or on a vehicle) could suffer injury or damage to their personal property, then you need PL to protect your business against the potential of crippling financial claims. Additionally, some customers may demand that you have public liability insurance before contracting with your company.<\/span><\/p><p><span style=\"font-weight: 400;\">Businesses that typically require PL to operate safely include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Builders and landscapers\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/event-liability-insurance\/\"><span style=\"font-weight: 400;\">Event organisers<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electricians<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plumbers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cleaners<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telecommunications and TV installers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/swoopfunding.com\/us\/start-a-business\/restaurant\/\">Restaurants<\/a> and <a href=\"https:\/\/swoopfunding.com\/us\/sectors\/hotel-funding\/\">hotels<\/a><\/span><\/li><\/ul><div><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/public-liability-insurance\/do-i-need-public-liability-insurance\/\"><b>Read more:<\/b> our detailed guide on whether your business needs public liability insurance or not.<\/a><\/p><\/div><h3><b>Is it a legal requirement?<\/b><\/h3><p><span style=\"font-weight: 400;\">No, public liability insurance is not a legal requirement, but the potential losses from not having it can far outweigh any premium savings you may obtain. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fedbc03 question elementor-widget elementor-widget-heading\" data-id=\"fedbc03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does public liability insurance work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52f6f3f answer elementor-widget elementor-widget-text-editor\" data-id=\"52f6f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Public liability insurance is a defence against claims resulting from accidental personal injury or property damage incurred by third parties in the provision of the services your business provides. The PL claims process involves:<\/span><\/p><h3><b>Notifying your insurer of claims<\/b><\/h3><p><span style=\"font-weight: 400;\">In the event that a third party makes a financial claim against your business for personal injury or property damage, you should immediately notify your insurer, providing the following information:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your name and company details\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your insurance policy number and contact details<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of the person or entity claiming against you<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of the incident including: the date, time and place it occurred, how it happened, details of damage, estimates of damage repairs (if possible).<\/span><\/li><\/ol><h3><b>Negotiation of settlement<\/b><\/h3><p><span style=\"font-weight: 400;\">After receiving your information, your insurer will investigate the claim and if it has merit, calculate a settlement amount to include in an initial offer of compensation. The claimant may accept this offer or make a counter-offer, resulting in settlement by mutual negotiation. Either way, you will not be responsible for paying the final compensation amount beyond any excess that you have agreed to pay.\u00a0<\/span><\/p><h4>What is insurance excess?<\/h4><p><span style=\"font-weight: 400;\">Most public liability insurance policies will ask you to pay an agreed portion of any claim \u2013 typically $500 or $1000, but possibly more. This is called the \u2018excess\u2019 sum. Generally, the higher the excess you agree to pay, the lower your premium costs will be.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09740d4 question elementor-widget elementor-widget-heading\" data-id=\"09740d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much cover do you need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c58226 answer elementor-widget elementor-widget-text-editor\" data-id=\"6c58226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/public-liability-insurance\/how-much-public-liability-insurance-do-i-need\/\">The amount of public liability insurance you need<\/a> depends on the industry you work in, (is it high risk), and the size of your contracts or sales. In most cases, the bigger your sales are, the higher potential claims may be. (Keep in mind that a claim for personal injury or property damage will usually be increased by added legal fees and other clerical costs). If you work with government departments or local councils, you should consider a policy of up to $5million, although minimum cover levels typically start at around $1million, which is more suitable for small businesses, sole traders, and organisations that have less contact with the public.\u00a0<\/span><\/p><h3><b>How much does it cost?<\/b><\/h3><p><span style=\"font-weight: 400;\">The cost of public liability insurance is determined by the type of industry you work in, and the risks associated with the services you deliver. Higher risk means higher cost. Businesses that provide labour services, such as plumbers, electricians, and carers, will usually have more risk than organisations that provide online or clerical services. This difference will be reflected in the cost of the policy.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58036a7 question elementor-widget elementor-widget-heading\" data-id=\"58036a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does public liability cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6c723 answer elementor-widget elementor-widget-text-editor\" data-id=\"2e6c723\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Public liability insurance protects your business from financial loss if someone is injured, or their property is damaged because of the work that you or your business provides.\u00a0<\/span><\/p><h3><b>What\u2019s covered:<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personal compensation<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 for the injury or death of a third party, including the loss of earnings and future loss of earnings<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medical fees<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 including the cost of calling out an ambulance, treatment and a stay in hospital for the claimant<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repairs<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 including the cost of labour and materials<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Legal costs<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 including the cost of defending you against a claim and the claimants&#8217; legal costs if you&#8217;re found to be at fault<\/span><\/li><\/ul><h3><b>What\u2019s not covered:<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accidents that affect your employees or their possessions<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 if you employ anyone, you must have <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/employers-liability-insurance\/what-is-employers-liability-insurance\/\"><span style=\"font-weight: 400;\">employers\u2019 liability insurance<\/span><\/a><span style=\"font-weight: 400;\"> by law. This covers anything that might happen to your employees<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accidents that happen to you or damage to your own property<\/b><span style=\"font-weight: 400;\">\u00a0\u2013 protection for yourself or your business premises is usually covered under a general business insurance policy<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f43667 question elementor-widget elementor-widget-heading\" data-id=\"4f43667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What other types of business insurance should I consider?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a499dd8 answer elementor-widget elementor-widget-text-editor\" data-id=\"a499dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Accidents, errors and omissions can happen at any time and their impact could bring crippling costs to your business, or even cause you to cease trading. To eliminate this kind of worry, businesses will typically take out a range of insurance protections, including:<\/span><\/p><h3><b>Professional indemnity insurance<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/professional-indemnity-insurance\/\"><span style=\"font-weight: 400;\">Professional indemnity insurance<\/span><\/a><span style=\"font-weight: 400;\">, also known as professional liability insurance, is an essential type of cover for businesses that advise clients, help them navigate complex financial or legal affairs, or provide them with vital information that is published in the media. In these kind of cases, errors can cost thousands or even millions in legal compensation claims. Professional indemnity (PI) can protect you if a client makes a financial loss because of your work and then makes claim against your business. Trade associations, government bodies, public institutions, and major customers will often require proof of a minimum level of PI insurance before doing business with you.<\/span><\/p><h3><b>Employers&#8217; liability insurance<\/b><\/h3><p><span style=\"font-weight: 400;\"><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/employers-liability-insurance\/\">Employers\u2019 liability insurance (ELI)<\/a> is a legal requirement for most US employers. ELI protects you and your employees, (including those who no longer work for you), should they be injured or become unwell as a result of working for your business. ELI typically covers the associated legal and compensation costs, and other damages of such events, but it can also cover accidental injury or damages caused by an employee to a third party, like your customers.\u00a0<\/span><\/p><h3><b>Business contents insurance<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/business-contents-insurance\/\"><span style=\"font-weight: 400;\">Business contents insurance<\/span><\/a><span style=\"font-weight: 400;\"> is designed to replace the contents of shops, offices, surgeries, garages, workshops and almost every other type of business in the event of fire, flood, theft, and accident. Contents insurance can replace lost cash, and pay for new fixtures and fittings, equipment, stock and samples, raw materials, and employees\u2019 personal belongings if they\u2019re damaged, lost, or stolen.\u00a0<\/span><\/p><h3><b>Industry-specific insurance<\/b><\/h3><p><span style=\"font-weight: 400;\">Some US sectors require participating businesses to carry industry-specific insurance. This will usually relate to business activities and risks unique to that sector or profession. If you are unsure about your need for this kind of cover, you should check with your industry body to find out what insurance policies they insist, or recommend you hold. For example, solicitors are required to carry an insurance policy in order to practice law.<\/span><\/p><h3><b>Product liability<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/product-liability-insurance\/\"><span style=\"font-weight: 400;\">Product liability insurance (PLI)<\/span><\/a><span style=\"font-weight: 400;\"> can protect businesses from financial loss in the event that someone is harmed, or property is damaged due to products that they supply. PLI protects against claims for:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injuries caused by faulty product(s)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of or damage to property caused by faulty product(s)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unforeseeable circumstances such as product faults that quality control systems could not reasonably identify or foresee<\/span><\/li><\/ul><h3><b>Tools insurance<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/tool-insurance\/\"><span style=\"font-weight: 400;\">Tools insurance<\/span><\/a><span style=\"font-weight: 400;\"> covers the cost of replacing business tools if they\u2019re lost, damaged, or stolen. Tools that are typically covered include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Handheld tools (hammers, screwdrivers, saws, pliers)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Power tools (drills, sanders, angle grinders, nail guns)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plant equipment (excavators, rollers, diggers, dump trucks)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owned, loaned, leased or hire-purchased\/leased tools<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6ec7a question elementor-widget elementor-widget-heading\" data-id=\"5d6ec7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Public liability insurance FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecfe836 answer elementor-widget elementor-widget-text-editor\" data-id=\"ecfe836\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Have a question about Public Liability Insurance?<\/span><\/p><h4><b>Do I need public liability insurance if I&#8217;m self-employed?<\/b><\/h4><p><span style=\"font-weight: 400;\">If your business brings you in contact with the general public, or you work in a high-risk sector such as construction, you need public liability insurance even if you\u2019re self-employed or a sole trader.<\/span><\/p><h4><b>Is public liability insurance a legal requirement?<\/b><\/h4><p><span style=\"font-weight: 400;\">No. But the potential losses from not having it can far outweigh any premium savings you may obtain.\u00a0<\/span><\/p><h4><b>What details do I need to provide to compare public liability quotes?<\/b><\/h4><p><span style=\"font-weight: 400;\">You will usually need to provide your business address, details of where you work, the services you supply, who your customers are, your annual <a href=\"https:\/\/swoopfunding.com\/us\/business-glossary\/turnover\/\">turnover<\/a> and average value of contracts, and details of any recent public liability claims that have been made against your business.<\/span><\/p><h4><b>Can public liability insurance cover legal expenses?<\/b><\/h4><p><span style=\"font-weight: 400;\">Yes. public liability insurance typically covers personal injury or fatality claims, medical costs, repairs to damaged property, and legal costs.<\/span><\/p><h4><b>How do I make a claim on public liability insurance?<\/b><\/h4><p><span style=\"font-weight: 400;\">Contact your insurer, providing: Your name and company details. Your insurance policy number and contact details. Details of the person or entity claiming against you. Details of the incident including the date, time and place it occurred, how it happened, details of damage, estimates of damage repairs (if possible).<\/span><\/p><h4><b>How long does a public liability insurance policy last?<\/b><\/h4><p><span style=\"font-weight: 400;\">Policies typically last for one year.\u00a0<\/span><\/p><h4><b>What&#8217;s the difference between public liability and product liability insurance?<\/b><\/h4><p><span style=\"font-weight: 400;\">Public liability insurance covers your business for claims for personal injury or property damage arising from the services your organisation provides. <a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/product-liability-insurance\/what-is-product-liability\/\">Product liability insurance<\/a> protects you from injury or property damage claims caused by any faulty products that you have supplied.<\/span><\/p><p><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/public-liability-insurance\/difference-between-public-liability-and-professional-indemnity\/\"><strong>Read more<\/strong>: a detailed breakdown of public liabilty vs. product liability insurance.<\/a><\/p><h4><b>What should I consider when choosing a public liability insurance provider?<\/b><\/h4><p><span style=\"font-weight: 400;\">Many insurers provide public liability insurance, but no two insurers are the same. Choose an insurance provider that:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has a good track record<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides quality cover at a reasonable price<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processes claims efficiently\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has strong customer service with easy access for support<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understands your business and can efficiently measure risk<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides advice on policy arrangement<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e9869 question elementor-widget elementor-widget-heading\" data-id=\"a7e9869\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Swoop can help<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8615fb0 answer elementor-widget elementor-widget-text-editor\" data-id=\"8615fb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">All business involves risk, but that doesn\u2019t mean you have to suffer the consequences if things go wrong. Don\u2019t let an accident become a catastrophe for your business. <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-insurance\/public-liability-insurance\/?modal=true\"><span style=\"font-weight: 400;\">Contact Swoop<\/span><\/a><span style=\"font-weight: 400;\"> today to compare top-quality public liability cover from different providers and to discuss all your insurance needs.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029c684 elementor-widget elementor-widget-spacer\" data-id=\"029c684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb9fa9 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"cdb9fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n \n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"Website\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/ca\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n \n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d26d4 elementor-widget elementor-widget-ucaddon_insurance_form\" data-id=\"17d26d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_insurance_form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div class=\"modal fade modal-form\" id=\"insurance-form-modal\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"insurance-form-modal\" aria-hidden=\"true\">\n <div class=\"modal-dialog\" role=\"document\">\n <div class=\"modal-content\">\n <div class=\"modal-header\">\n <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n <span aria-hidden=\"true\">&times;<\/span>\n <\/button>\n <\/div>\n <div class=\"modal-body\">\n <div class=\"inputs-modal\">\n <form id=\"form-insurance-modal\" action=\"\/\" method=\"POST\">\n <input type=\"hidden\" name=\"robots\" id=\"robots\">\n <input type='text' name='source_marketing_website' id='source_marketing_website' value='CA'> <input type=\"hidden\" name=\"robots\" id=\"robots\">\n <input type=\"hidden\" id=\"firstname\" maxlength=\"40\" name=\"firstname\" size=\"20\">\n <input type=\"hidden\" id=\"lastname\" maxlength=\"80\" name=\"lastname\" size=\"20\">\n <div class=\"step-1\">\n <p class=\"title-modal text-center\">Provide us with your details and one of our insurance experts will contact you to discuss your requirements<\/p>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Name:<\/span>\n <input id=\"name\" type=\"text\" class=\"form-control\" name=\"name\" placeholder=\"Name\" required>\n <\/label>\n <\/div>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Phone number: <\/span>\n <input id=\"phone\" type=\"text\" class=\"form-control\" name=\"phone\" placeholder=\"Phone number\" required>\n <\/label>\n <\/div>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Email address: <\/span>\n <input id=\"email\" type=\"email\" class=\"form-control\" name=\"email\" placeholder=\"Email address\" required>\n <\/label>\n <\/div>\n \n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Company name: <\/span>\n <input id=\"company\" type=\"text\" class=\"form-control\" name=\"company\" placeholder=\"Company name\" required>\n <\/label>\n <\/div>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Incorporation date (MM\/DD\/YYYY): <\/span>\n <input id=\"incorporation_date\" type=\"text\" class=\"form-control mask-date\" name=\"incorporation_date\" placeholder=\"Incorporation date (MM\/DD\/YYYY)\" required>\n <\/label>\n <\/div>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Industry: <\/span>\n <input id=\"industry\" type=\"text\" class=\"form-control\" name=\"industry\" placeholder=\"Industry\" required>\n <\/label>\n <\/div>\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Annual revenue: <\/span>\n <div class=\"input-group\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"annual_turnover_new\" type=\"text\" class=\"form-control mask-money\" name=\"annual_turnover_new\" placeholder=\"Annual revenue\" input-mode=\"numeric\" required>\n <\/div>\n <\/label>\n <\/div>\n \n <div class=\"footer-form\" style=\"margin-top:20px;\">\n \n\n<div id=\"v_1566689181\">\n <div class=\"form-group margin-mobile\">\n <div class=\"form-check\">\n <input class=\"form-check-input form-inputs\" type=\"checkbox\" name=\"marketingconsentaccepted\" id=\"marketingconsentaccepted\">\n <label class=\"form-check-label small-label\" for=\"marketingconsentaccepted\">\n Send me updates on products, news and information on selected partners. <\/label>\n <\/div>\n\n <div class=\"form-check\">\n <input class=\"form-check-input form-inputs\" type=\"checkbox\" name=\"privacypolicyaccepted\" id=\"privacypolicyaccepted\" required>\n <label class=\"form-check-label small-label\" for=\"privacypolicyaccepted\">\n By submitting this form, you consent to receive application\u2011related messages from Swoop Funding via SMS or WhatsApp at the number provided. 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class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/bicycle-shop-insurance\/\">Bicycle shop insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-contents-insurance\/\">Business contents insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-equipment-insurance\/\">Business equipment insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/\">Business insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-interruption-insurance\/\">Business interruption insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/cafe-insurance\/\">Cafe insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/carpenters-insurance\/\">Carpenters insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/commercial-property-insurance\/\">Commercial property insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/commercial-van-insurance\/\">Commercial van insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/construction-company-insurance\/\">Construction company insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/consultants-insurance\/\">Consultants insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/contractors-insurance\/\">Contractors insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/cyber-insurance\/\">Cyber insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/is-business-insurance-a-legal-requirement\/\">Do I need business insurance? <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/do-i-need-public-liability-insurance\/\">Do I need public liability insurance? <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/\">Employers&#8217; liability insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/executive-income-protection-insurance\/\">Executive income protection insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/food-insurance\/\">Food insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gardeners-insurance\/\">Gardeners insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gas-engineer-insurance\/\">Gas engineer insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-income-protection-insurance\/\">Group income protection insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-life-insurance\/\">Group life insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-private-medical-insurance\/\">Group private medical insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gym-insurance\/\">Gym insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/plant-machinery-insurance\/\">Hired in plant insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/cost-of-employers-liability\/\">How much does employers&#8217; liability insurance cost? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/how-much-public-liability-insurance-do-i-need\/\">How much public liability insurance do I need? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/it-consultant-insurance\/\">IT consultant insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/invoice-insurance\/\">Invoice insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/key-person-insurance\/\">Key person insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/limited-company-insurance\/\">Limited company insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/medical-insurance\/\">Medical insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/occupiers-liability-insurance\/\">Occupiers&#8217; liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/opticians-insurance\/\">Opticians insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/\">Personal guarantee insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/plumbers-insurance\/\">Plumbers insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/product-liability-insurance\/\">Product liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/professional-indemnity-insurance\/\">Professional indemnity insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/pub-insurance\/\">Pub insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/\">Public liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/event-liability-insurance\/\">Public liability insurance for events <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/relevant-life-insurance\/\">Relevant life insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/restaurant-insurance\/\">Restaurant insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/self-employed-insurance\/\">Self employed insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/shareholder-protection-insurance\/\">Shareholder protection insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/shop-insurance\/\">Shop insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/subcontractor-insurance\/\">Subcontractor insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/third-party-liability-insurance\/\">Third party liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/tool-insurance\/\">Tool insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/trade-credit-insurance\/\">Trade credit insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/tradesman-insurance\/\">Tradesman insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/warehouse-insurance\/\">Warehouse insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/what-insurance-do-i-need\/\">What business insurance do I need? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/what-is-business-insurance\/\">What is business insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/what-is-employers-liability-insurance\/\">What is employers&#8217; liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/what-is-personal-guarantee-insurance\/\">What is personal guarantee insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/product-liability-insurance\/what-is-product-liability\/\">What is product liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/what-is-public-liability-insurance\/\">What is public liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/difference-between-public-liability-and-professional-indemnity\/\">What&#8217;s the difference between public liability and professional indemnity insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/cyber-insurance\/why-do-i-need\/\">Why cyber insurance is your business&#8217;s digital shield <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <button class=\"bt_see_more\" href=\"javascript:void(0);\" aria-label=\"See more\">See more<\/button>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div 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Call us on<br>\n <a class=\"c-link\" href=\"tel:6479463001\" rel=\"noopener noreferrer\">647 946 3001<\/a>\n <\/div>\n \n \n <div class=\"trustpilot-widget-sticky-banner\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n <\/div>\n <\/div>\n\n <div class=\"elementor-hidden-mobile active\" id=\"sticky-banner-mini\">\n <img loading=\"lazy\" loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"28\" height=\"28\" alt=\"View more\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/plus.svg\">\n Get quote <\/div>\n\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0cbcc6 e-con-full cta-mobile-fixed elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"d0cbcc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b550a23 form-insurance elementor-widget elementor-widget-ucaddon_floating_cta\" data-id=\"b550a23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_floating_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<style type=\"text\/css\">\/* widget:Floating CTA *\/\n\n.container-floating-cta a{\n font-weight:700;\n border-style:solid;\n border-width:1px 1px 1px 1px;\n color:#FFFFFF;\n border-radius:50px 50px 50px 50px;\n width:100%;\n text-align:center;\n display:block;\n padding:6px 24px;\n transition:all 0.3s;\n}\n\n.container-floating-cta a:hover{\n background:#fff;\n color:#003E52;\n text-decoration:none;\n}\n\n.trustpilot-widget-floating-cta{\n margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn-floating-cta\" target=\"_blank\" rel=\"noopener\">Get a quote<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":26,"featured_media":0,"template":"elementor_header_footer","insurance-type":[340],"class_list":["post-35701","business-insurance","type-business-insurance","status-publish","hentry","insurance-type-insurance-types"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Public liability insurance Provide us with your details and one of our insurance experts will contact you to discuss your requirements Get started Trustpilot Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 6, 2026. Next review due April 1, 2027. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/business-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/26"}],"version-history":[{"count":10,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35701\/revisions"}],"predecessor-version":[{"id":41743,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35701\/revisions\/41743"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=35701"}],"wp:term":[{"taxonomy":"insurance-type","embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/insurance-type?post=35701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}