Through our Insurance Partners, we can find Public & Products Liability cover that fits your business needs. This insurance is there to protect you if someone gets hurt or their property gets damaged because of your business activities – whether that's a customer visiting your shop, someone tripping over your equipment at their workplace, or a product you've sold causing an injury. It covers the legal costs of defending yourself, plus any compensation you might need to pay if you're found responsible.
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Think of everyday scenarios: a customer slips on a freshly mopped floor, you accidentally damage a client's property while working at their site, or something you've sold doesn't work as expected and causes harm. These things happen, even in the best-run businesses. Your insurance would typically help with legal bills and compensation costs, though every policy is different – some situations won't be covered (like giving professional advice, which needs Professional Indemnity cover instead). If your business deals with customers face-to-face, works at other people's premises, or sells products, this cover is worth considering. The upcover team can help you understand what protection makes sense for your specific business.

If you provide professional advice or services, Professional Indemnity insurance helps protect your business when things don't go to plan. Even when you've done nothing wrong, unhappy clients can make claims against you – and just defending yourself can cost thousands in legal fees. Without insurance, these costs (plus any compensation you might need to pay) come straight out of your business bank account, which could put your entire business at risk. What's more, many clients won't work with you unless you have this cover in place, and some professional associations require it as part of their membership rules.
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Having the right insurance means you can focus on what you do best – serving your clients – rather than worrying about what might go wrong. It keeps your business running smoothly even if you're dealing with a dispute, and gives you access to legal experts who know how to handle these situations. Of course, what you need depends on the type of work you do and who your clients are. Every policy has its own terms and exclusions, so it's worth checking the Policy Wording carefully. If you're not sure what's right for your business, have a chat with upcover's Specialist team – they're here to help you work out what makes sense for your situation.