Public Liability Insurance (Mandatory for Venues): Who Qualifies and What You Get
Learn if you need public liability insurance for your business and understand the requirements for venue access and coverage.
Public liability insurance is a type of coverage designed to protect businesses if they are held responsible for causing injury to another person or damaging someone else's property.
Who it's for
This is for any business that operates in public spaces or manages venues.
What you get
This insurance covers you against legal costs and the cost of compensation if a third party is injured or if their property is damaged due to your business activities.
What it costs you
You will need to pay an annual premium. The exact amount you pay depends on your specific risk profile and your business turnover.
The catch to know
Most venue owners will not allow you to work on their premises unless you can provide a Certificate of Currency. This is an official document from your insurer that proves your policy is currently active.
How to apply
- Research different private insurance providers to compare rates.
- Assess your business risks and expected turnover to get an accurate quote.
- Purchase a policy that meets the specific requirements of the venues you use.
- Request a Certificate of Currency to show to venue managers.