Compare public liability insurance quotes

Accidents happen. Having public liability insurance for your business helps you have peace of mind because you will be covered in case a customer or anyone suffers an injury or a loss because of your business.

SwiftCover offers public liability insurance as a stand-alone policy, or you can include this in your business insurance policy.


What is public liability insurance?

Public liability insurance covers your business if any of your clients or members of the public incur any personal injury or damages to the property because of your business.  You’ll be able to use the insurance coverage to cover any legal expenses or compensation especially if you interact with your customers or the general public in your business premise or even outside.

A simple slip on your floors can often cause a customer or a member of the public to sue for compensation and that’s when public liability insurance can help you if they make a claim.



Public liability insurance covers legal expenses and compensation claims if a customer or a member of the public incurs an injury of property damage in your business premise or while you are in their property.

Typically, public liability covers:

  • Compensation payments for third party injury or even death
  • Repair or replacement costs, for damaged property or possessions
  • Medical fees, hospital treatment, or an ambulance call out
  • Legal expenses, while you’re defending any of these claims

Do I need public liability insurance?

If your business requires you to be in contact with members of the public, you need public liability insurance.  People will sue for damages or injury, especially death.

Is public liability insurance required by law?

Public liability in not required by law, but your clients may require it. There are also some companies that are required by their membership bodies or regulatory boards to have business insurance including public liability insurance.

Here’s an example for the coverage

You have a plumbing business and one of your plumbers are doing repair work on a customer’s property.  He failed to fit the caps properly and caused water damage in customer’s house and the property below his.

What was covered?

The customer and the owner of the property below theirs claimed R150,000 for the repair of the damage and the inconvenience caused.

What wasn’t covered?

The excess which is paid by the policyholder.

How much public liability insurance do I need?

Our panel of Insurers often offer a minimum amount on public liability coverage, but you should consider what amount is right for you.

Depending on the nature of your business, you may need more than the minimum amount on offer so you’ll know that you will be fully covered. Companies such as those working on government contracts are usually required to be covered for higher amounts of public liability insurance.  Contact us today to find out how much your coverage should be and to find out more about the coverage.

Why is public liability insurance important?

PLI - or Public Liability insurance is an essential insurance coverage for most type of business, especially those who interact with customers and the general public.  Even when you think your business is doing everything right and according to regulations, a chance of an accident or injury in your premise can happen.


Having the peace of mind that even if the worst thing happens, you are covered - your customers’ property can easily be repaired, medical costs are paid for, or their possessions can be replaced.

If you have visitors in your premise or you do work on clients’ properties, you really need public liability insurance.  Some clients would even check if you have this coverage before they can do business with you.  

Here’s how you can easily get a quote from us with your specific requirements.  Ask yourself these questions:

  • Do you have any employees - short-term or regular employees? If you do, you’re legally obliged to have employers’ liability insurance if you not you can be fined by the government
  • Is your business covered properly? For example, if you work at heights above 10m, are you covered for this?
  • Have you chosen the right amount of coverage for your business, and a level that’s acceptable for your clients?

Are you selling products online?

We can cover your online store with our online retailers’ insurance that is especially built for business that sell products or services on the internet.

Customer Reviews

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Customer Testimonials

"I feel safe knowing I'm protected now if one of my customers injures themselves in my supermarket. My policy will now cover me if my customers hold me liable and sue me for injury. Thank you!"

Ricky Da Silva

Public Liability cover is available for the following businesses:

  • Pubs
  • Wine Bars
  • Takeaways
  • Restaurants
  • Fish and Chip Shops
  • Cafes
  • Sandwich Shops
  • Hairdressers
  • Beauty Salons
  • Hotels
  • Guest Houses
  • Retail Shops
  • Commercial Landlords
  • Residential Landlords

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