Public and products liability
OUR ASSESSMENT
Compare the policy against the actual places you work and the customers you serve. A contractually required limit is only part of the check: an excluded activity cannot be fixed by selecting a higher limit.
Features to compare
- Hiscox offers public liability protection for qualifying third-party injury and property-damage claims.
- Its business range also addresses products liability, which needs checking where the business supplies goods.
Limitations and checks
- Professional mistakes and employee injury belong to different liability questions; do not assume this section addresses both.
- Check the trade description, site activities and any exclusions for work away from your premises.
The question to ask
Are all on-site activities and products accepted, and how are legal defence costs treated within the limit?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.