Public liability vs general liability
The idea is the same on both sides of the Atlantic. In the UK, public liability is a standalone cover, often sold with products liability. In the US, commercial general liability (CGL) is broader: it typically includes bodily injury and property damage, products and completed operations, and “personal and advertising injury” such as defamation. US small businesses often buy it inside a BOP.
How much cover do you need?
Choose a limit that reflects the worst realistic claim and what your contracts require. Councils, venues, construction sites and large clients often set a minimum. A serious injury claim can be very expensive, so don’t pick the lowest limit just because it’s cheapest; the difference between limits is often modest.
Products liability
If you make, sell, repair or import products, you can be liable if one causes injury or damage. Importers and own-brand sellers can carry the same responsibility as manufacturers. Check that products liability is included and whether it covers sales to the US and Canada, which some policies exclude or limit.
Certificates of insurance
Clients often ask for proof of cover. In the UK, your insurer or broker can provide a policy schedule or certificate. In the US, a certificate of insurance (COI) is standard, and clients may ask to be named as an additional insured, which extends your policy to cover them for claims arising from your work.
Last updated: 15 October 2026
