You should consider public liability insurance if: 

• You own business premises that members of the public, customers or clients visit 

• Your business organises off-site events or activities that are attended by members of the public 

• You run a business from your home and people visit your home for professional purposes 

If you own a horse-riding establishment you are legally obliged to have public liability insurance. For more information contact your local authority – contact details for your local authority can be found through the GOV.UK website. 

You can buy public liability insurance directly from an insurer or from a specialist broker through the British Insurance Brokers’ Association (BIBA). 

The cost of your premium is usually based on: 

• The nature of your business  

• The number of people you employ  

• Your insurance claims history