Public liability protects a workshop against legal liability for accidental bodily injury or third-party property damage arising from its business. It can cover defence costs with insurer consent. It normally excludes vehicles in the workshop’s care and claims arising from defective work unless the relevant extensions are added.
A customer walks through the workshop reception, slips on oil tracked onto the tiled floor and fractures a wrist.
How cover may respond: Public liability may cover the workshop’s legal liability, agreed medical damages and defence costs if negligence is established.
Important: The insurer will request incident records, CCTV, cleaning logs and witness statements.
Tell us what vehicles you handle, where they are kept and how they are used. A specialist can compare suitable terms and explain the important conditions before you bind cover.
Start my quotationThis is a general explanation, not advice or a policy contract. Cover is subject to the insurer’s schedule, wording, limits, excesses and conditions.