
The Importance of Annual Insurance Reviews
An annual insurance review is one of the most effective ways to check if your current cover remains aligned with your business’ needs. Over the
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At The Needham Group, your business is important to us. Whatever the size of your business, we pride ourselves on providing a business insurance solution at an affordable price. We compare and search our panel of commercial insurers to find cover that meets your needs and helps you be protected from the unexpected
Public Liability Insurance provides cover towards your legal liability to pay damages to members of the public for death, bodily injury or damage to their property which occurs as a result of your business activities. It also can provide financial support towards legal fees, costs and expenses such as representation at any Coroner’s inquest, fatal accident enquiry or other court hearing because of an accident.
Failing to have Public Liability insurance can led to your business going bankrupt due to a claim from the public. A compensation claim can go into the thousands and without cover, you may be liable to pay the full amount of the claim.
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Public liability insurance is not generally required by law in the UK or in most other jurisdictions. However, it is strongly recommended for businesses that interact with clients, suppliers, or members of the public, as it can help cover costs arising from claims for personal injury or damage to third-party property if they were to arise.
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Public Liability Insurance can help to cover you if someone is accidentally injured by you or your business operation. It may also cover you if you damage a third party property while on business. A policy can also provide financial support in the event that you need to pay any legal fees and expenses which result from claims by a third party.
The Needham Group’s brokers aim to save you time and money on your Public Liability Insurance. We compare insurance solutions from our large panel of insurers to find you a policy that meets your requirements.
The amount of Public Liability cover you need depends on your business activities, risks, and client or regulatory requirements. Common limits range from £1m to £10m. Assess your exposure and consult our expert brokers for tailored advice.

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At the end of December 2025, The Needham Group acquired Black Lion Broking Services. Black Lion Broking Services was founded in 2016 and is owned
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