{"id":28195,"date":"2026-07-30T09:18:10","date_gmt":"2026-07-30T08:18:10","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=28195"},"modified":"2026-07-30T09:20:47","modified_gmt":"2026-07-30T08:20:47","slug":"employers-liability-vs-public-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/employers-liability-vs-public-liability-insurance","title":{"rendered":"Employers&#8217; liability vs public liability insurance:\u00a0what&#8217;s\u00a0the difference?\u00a0\u00a0"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/EL-vs-PL-insurance-header-image.png\" alt=\"A graphic shows the difference between employers' liability vs public liability insurance.\" class=\"wp-image-28171\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/EL-vs-PL-insurance-header-image.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/EL-vs-PL-insurance-header-image-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Business insurance&nbsp;isn&#8217;t&nbsp;exactly the bit people get excited about when they start a business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re&nbsp;busy winning clients, launching products,&nbsp;and&nbsp;hiring brilliant people.&nbsp;Finding the time to check&nbsp;you\u2019ve&nbsp;got the right insurance can often fall&nbsp;by the wayside.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then someone asks whether&nbsp;you&#8217;ve&nbsp;got&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers&#8217; liability insurance (EL)<\/a>. Or&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">public liability insurance (PL)<\/a>. Or both.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suddenly&nbsp;you&#8217;re&nbsp;drowning in acronyms and wondering if anyone&nbsp;actually understands&nbsp;what these policies do.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news? The difference between employers&#8217; liability and public liability insurance is surprisingly straightforward.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And once you understand who each&nbsp;type of insurance&nbsp;is designed to protect, it all starts to fall into place.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Employers&#8217; liability vs public liability insurance&nbsp;at a glance<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both employers&#8217; liability and public liability insurance deal with claims involving injury, illness, or damage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key difference is&nbsp;who&#8217;s&nbsp;making the claim.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simple way&nbsp;to remember it is:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the person claiming works for you&nbsp;(or used to work for you),&nbsp;that&#8217;s&nbsp;usually a job for employers&#8217; liability insurance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;they&#8217;re&nbsp;a customer, client, supplier, visitor, or member of the public, that&#8217;s where public liability insurance comes in.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think of it this way: employers&#8217; liability protects the people behind the business, while public liability protects the people who&nbsp;come into contact with&nbsp;it.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is employers&#8217; liability insurance?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Employers&#8217; liability insurance protects your business if an employee becomes ill or injured because of their work and holds your business or organisation responsible.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most UK businesses that employ staff are&nbsp;<a href=\"https:\/\/www.gov.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">legally required to have it<\/a>. That includes full-time employees, part-time employees, temporary workers, apprentices, volunteers, and, in some&nbsp;cases,&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/do-i-need-employers-liability-insurance-for-freelancers\" target=\"_blank\" rel=\"noreferrer noopener\">freelancers<\/a>, and&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/do-you-need-employers-liability-insurance-for-contractors\" target=\"_blank\" rel=\"noreferrer noopener\">contractors<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, imagine:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a warehouse worker injures their back lifting stock&nbsp;<\/li>\n\n\n\n<li>a chef develops a respiratory condition after prolonged exposure to fumes&nbsp;<\/li>\n\n\n\n<li>an office employee trips over unsafe cabling and breaks their wrist.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;they&#8217;re&nbsp;claiming the injury or illness happened because of their work, employers&#8217; liability insurance is there to back you.&nbsp;It\u2019ll&nbsp;cover legal costs and any compensation you owe.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We have a more in-depth&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/employers-liability-insurance-all-you-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\">guide to employers\u2019 liability<\/a>&nbsp;if you want to find out more.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is public liability insurance?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.policybee.co.uk\/blog\/whats-public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Public liability insurance<\/a>&nbsp;protects your business if a third party claims&nbsp;you&#8217;ve&nbsp;caused injury, illness, or damage to their property.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A third party is simply anyone who&nbsp;doesn&#8217;t&nbsp;work for your business. Think customers, clients, suppliers, delivery drivers, or event attendees. Or even members of the public passing by.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common examples include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a customer slipping on a freshly mopped floor&nbsp;<\/li>\n\n\n\n<li>a contractor accidentally damaging a client&#8217;s expensive flooring&nbsp;<\/li>\n\n\n\n<li>a visitor tripping over equipment at an event&nbsp;<\/li>\n\n\n\n<li>a falling display unit injuring someone or damaging their property.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Public liability insurance covers compensation and legal costs in these sorts of situations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The main difference<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s&nbsp;say you own a caf\u00e9.&nbsp;There&#8217;s&nbsp;a wet floor near the kitchen.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A member of staff slips while carrying a stack of plates and injures their shoulder. That falls under employers&#8217; liability insurance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now imagine a customer slips in&nbsp;exactly the same&nbsp;spot while heading to their table. For that,&nbsp;it\u2019s&nbsp;public liability insurance you need.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same floor.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same puddle.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same embarrassing moment for everyone involved.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Different insurance policy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do I need both?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two simple questions can usually point you in the right direction:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you employ anyone?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does your business interact with customers or members of the public?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might only need employers&#8217; liability insurance if you employ people but have little or no public interaction. A software company with fully remote staff, for example, or a back-office consultancy with no customer-facing premises. Usually, these kinds of businesses&nbsp;don\u2019t&nbsp;need public liability,&nbsp;but they&nbsp;probably do&nbsp;need&nbsp;professional indemnity insurance&nbsp;instead&#8230;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Professional indemnity insurance (PI)<\/a>&nbsp;covers you for&nbsp;claims related&nbsp;to&nbsp;your work&nbsp;if you offer a service. Like not delivering what a client expected&nbsp;or giving someone the wrong advice.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might only need public liability insurance if you work alone but have regular contact with the public. Think photographers, tradespeople,&nbsp;hairdressers&nbsp;and similar businesses.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you employ people&nbsp;<strong>and<\/strong>&nbsp;regularly deal with customers, clients, or the public, then&nbsp;you\u2019ll&nbsp;need both.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is public liability insurance a legal requirement?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike employers&#8217; liability insurance, public liability insurance&nbsp;isn&#8217;t&nbsp;usually required by law.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But&nbsp;don&#8217;t&nbsp;let that fool you into thinking&nbsp;it&#8217;s&nbsp;optional in practice.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many businesses find they&nbsp;can&#8217;t&nbsp;operate&nbsp;without it because&nbsp;it&#8217;s&nbsp;commonly required by:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>clients&nbsp;<\/li>\n\n\n\n<li>commercial landlords&nbsp;<\/li>\n\n\n\n<li>local authorities&nbsp;<\/li>\n\n\n\n<li>event venues&nbsp;<\/li>\n\n\n\n<li>professional contracts&nbsp;<\/li>\n\n\n\n<li>tender applications.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In some industries, being asked for proof of public liability insurance is&nbsp;almost as&nbsp;routine as being asked for your name. And even if you&nbsp;aren\u2019t&nbsp;being asked for it, think about how much you interact with the public and the likelihood of something untoward happening. Accidents happen, and defending yourself&nbsp;could cost you more than time and money.&nbsp;Your reputation for one&#8230;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can I buy employers&#8217; liability insurance and public liability insurance together?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In fact, you usually&nbsp;have to&nbsp;buy them as part of the same insurance package.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can buy public liability&nbsp;on&nbsp;its&nbsp;own, but usually employers\u2019 liability can only be bought alongside public liability.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combining your cover can make things simpler to manage and help ensure&nbsp;you&#8217;re&nbsp;protected, wherever a claim comes from. Because when a claim lands on your desk, the last thing you want is to discover&nbsp;you&#8217;ve&nbsp;insured yourself for half the problem.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting the right cover&nbsp;isn&#8217;t&nbsp;about ticking a box.&nbsp;It&#8217;s&nbsp;about making sure one accident, injury, or claim&nbsp;doesn&#8217;t&nbsp;knock your business off course.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s&nbsp;much better to know the difference between EL and PL before a claim arrives than learn it the expensive way. Employers\u2019 liability and public liability claims can end up costing&nbsp;you&nbsp;tens of thousands of pounds.&nbsp;Maybe more. And&nbsp;that\u2019s&nbsp;just the financial cost&#8230;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Having the right insurance in place, and even better,&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/why-use-a-business-insurance-broker\" target=\"_blank\" rel=\"noreferrer noopener\">using a broker<\/a>, means&nbsp;having&nbsp;real peace of mind. One of the hardest things about facing a claim without support is the mental strain, and&nbsp;that\u2019s&nbsp;no good when&nbsp;you\u2019re&nbsp;still trying to focus on running your business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need&nbsp;more info on&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">public liability<\/a>&nbsp;vs&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers\u2019 liability insurance<\/a>, you can give our expert team a call on&nbsp;<strong>0345 222 5391.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Image used under license from iStock.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Business insurance&nbsp;isn&#8217;t&nbsp;exactly the bit people get excited about when they start a business.&nbsp; You&#8217;re&nbsp;busy winning clients, launching products,&nbsp;and&nbsp;hiring brilliant people.&nbsp;Finding the time to check&nbsp;you\u2019ve&nbsp;got the right insurance can often fall&nbsp;by the wayside.&nbsp; Then someone asks whether&nbsp;you&#8217;ve&nbsp;got&nbsp;employers&#8217; liability insurance (EL). Or&nbsp;public &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/employers-liability-vs-public-liability-insurance\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,130],"tags":[319,315,137,266],"class_list":["post-28195","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-public-liability-insurance","tag-employers-liability","tag-employers-liability-insurance","tag-insurance-explained","tag-public-liability-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Employers&#039; Liability vs Public Liability Insurance<\/title>\r\n<meta name=\"description\" content=\"Compare employers&#039; liability vs public liability insurance. 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Learn the key differences and find out what you need.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.policybee.co.uk\/blog\/employers-liability-vs-public-liability-insurance\" \/>\r\n<meta property=\"og:site_name\" content=\"PolicyBee news and risk advice\" \/>\r\n<meta property=\"article:published_time\" content=\"2026-07-30T08:18:10+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-07-30T08:20:47+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/EL-vs-PL-insurance-header-image.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"600\" \/>\r\n\t<meta property=\"og:image:height\" content=\"300\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"Steph Harris\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:site\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Steph Harris\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance\"},\"author\":{\"name\":\"Steph Harris\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/fe5ce22cdcac2d1dde63c139a77dd059\"},\"headline\":\"Employers&#8217; liability vs public liability insurance:\u00a0what&#8217;s\u00a0the difference?\u00a0\u00a0\",\"datePublished\":\"2026-07-30T08:18:10+00:00\",\"dateModified\":\"2026-07-30T08:20:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance\"},\"wordCount\":1261,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/EL-vs-PL-insurance-header-image.png\",\"keywords\":[\"employers liability\",\"employers liability insurance\",\"insurance explained\",\"public liability insurance\"],\"articleSection\":[\"Employers' liability\",\"Public liability\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance\",\"url\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance\",\"name\":\"Employers' Liability vs Public Liability Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/employers-liability-vs-public-liability-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/EL-vs-PL-insurance-header-image.png\",\"datePublished\":\"2026-07-30T08:18:10+00:00\",\"dateModified\":\"2026-07-30T08:20:47+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/fe5ce22cdcac2d1dde63c139a77dd059\"},\"description\":\"Compare employers' liability vs public liability insurance. 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