Antique Dealer Public Liability Insurance
For quotes in under 5 minutes and as little as £3.99 per month
You’d be crazy not to !!!
Public liability insurance for Antique Dealer is there for the “oops moments” — accidental injury to someone outside your business, or damage to their property, during work at client premises or on site.
Why it matters: one incident involving members of the public can mean compensation, repair bills and legal costs — public liability insurance is designed to help with those outcomes.
Core cover for Antique Dealer
- Third‑party injury claims arising from accidents connected to your work.
- Damage to third‑party property (customer premises, neighbouring property, vehicles).
- Legal fees for defending a covered claim (policy terms apply).
- Everyday working risks where the public or clients are nearby.
- On‑site and off‑site incidents — including set‑up, pack‑down and day‑to‑day working activities.
Examples of claims we see
Example: during a job at client premises or on site, someone outside your business is injured after coming into contact with your working area. Public liability cover can help with compensation and legal costs (depending on the policy).
- Injury example: A visitor trips over equipment you’ve left in a walkway and is injured.
- Damage example: Spilled materials stain flooring or soft furnishings and require replacement.
- Another common scenario: A customer slips in an area you’re working in and makes a claim.
How much cover do you need?
Typical limits range from £1m to £10m. If you work on commercial sites or for councils/venues, higher limits (often £5m+) are commonly requested.
Related business insurance
- Product Liability (If Supplying Goods) — cover for the job in progress, materials, plant or kit (depending on the cover type).
- Tools Cover — useful if you rely on specialist equipment to work.
- Product liability — worth considering if you sell or supply products as part of your service.
- Employers’ liability — If anyone works under your direction, employers’ liability protection can be important in addition to public liability cover.
Ready to compare? Get tailored quotes for Antique Dealer public liability cover in under 5 minutes.