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PUBLIC LIABILITY INSURANCE

Protect your business from third-party claims

Get peace of mind with public liability insurance from Tide. Our fast and affordable online process helps you protect your business from third-party claims for injury or property damage.

Simply open a Tide account and get a quote for business liability insurance directly through the Tide app – we offer cover up to £5M*.

Get a quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab.

Tide I.S. Limited is an appointed representative of Able Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 311649).

*Eligibility criteria and T&Cs apply.

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes via the app, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your Tide business account, no manual setup needed.

One-stop shop

Manage all policies and documents in one place via the app. Get member support for any questions and look forward to new cover options coming in 2026.

Get a quote

What is public liability insurance?

What is public liability insurance?

Public Liability Insurance protects your business if a member of the public claims to have been injured or had their property damaged during your business activities. 

Public Liability Insurance is a business insurance policy that covers legal costs and compensation. It's a vital safety net, particularly for businesses that deal directly with the public.

Important to note: some of your customers may ask for proof of this insurance cover.

What does public liability insurance cover?

What does public liability insurance cover?

Public Liability Insurance protects all types of workers from full-time staff to apprentices, volunteers or any self-employed contractors you hire. This insurance covers them for:

Injury

If a member of the public injures themselves due to your business. For example, someone hurts themselves on a piece of your equipment.

Property damage

If your business operations cause damage to a member of the public’s property. For example, you spill coffee on their laptop and it breaks.

Legal and compensation costs

This pays for any compensation claims and/or legal fees your business might endure as a result of a claim brought against you.

Get a quote

Get public liability insurance in just a few steps

  1. Download the Tide app

  2. Tell us about your business and verify your identity

  3. Your business account is approved and ready to go

  4. Get a quote and purchase your policy via the app*

 Open a business account

*Eligibility criteria and T&Cs apply.

What do I need to get a public liability insurance quote?

Getting a public liability insurance quote at Tide is easy – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Your business’s financial background

Annual revenue

Get a quote

Public Liability Insurance vs Professional Indemnity Insurance

These policies cover different types of risks – public liability insurance covers claims for accidental injury or property damage, while professional indemnity insurance protects against financial loss caused by a professional error or poor advice.

Public Liability Insurance

Who it covers: Third parties, customers and visitors.

Legal requirement: No.

Example: A contractor accidentally damages a client’s property.

Get a quote

Professional Indemnity Insurance

Who it covers: Third parties, customers and clients.

Legal requirement: No.

Example: An architect gives incorrect advice leading to structural issues in the building.

Learn more

Tide business insurance policy documents

At Tide, we believe business insurance should be transparent and easy to understand. After you get a quote, we’ll send you a document that clearly breaks down your cover and what it includes.

Public and Employee Liability Policy Summary

See policy details

Professional Indemnity Summary

See policy details

Insurance Policy Wording

See policy details

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Questions about public liability insurance?

Find answers to all our most frequently asked questions in our Help Centre.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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