Public Liability Insurance

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Why Compare Public Liability Insurance With SimplyQuote?

As a business owner, the last thing you should have to worry about is if one of your customers is injured on your premises or by your work. This is where SimplyQuote comes in!

We understand that taking out a public liability insurance policy may not be at the top of your list of things to do, which is why we’ve streamlined the process.

After filling in a short online form, the comparison tool will do all the hard work for you. You’ll be provided with quotes from the UK’s top insurers, specifically tailored to your business needs and budget. All you then need to do is choose the one that works best for you!

Don’t fall victim to out-of-pocket legal fees and compensation payments; compare public liability insurance with SimplyQuote today!


Do I Need Public Liability Insurance?

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What Types Of Businesses Need Public Liability Insurance?

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How Much Public Liability Insurance Cover Does Your Business Need?

While there is no set amount of cover that a business needs, public liability cover is usually around £1 million to £5 million.

However, when you are determining the amount of cover you need for your specific business, it’s a good idea to consider the following:

Level of risk

It is important to consider the risk involved with your business while working with or for members of the public. In realistic terms, the higher the risk, the more cover you’ll need.

Let’s look at a couple of examples:

  • Builder: Your level of exposure to the public is high as you will often be in contact with passersby or customers. You work with heavy, dangerous equipment that can cause significant damage and pose a high risk to third parties. As a result, you will need public liability cover of around £10 million.
  • Self-employed mortgage advisor: You will have less exposure to the public than a builder. Since you conduct your business in your client’s home, your only equipment is a laptop and a folder – low-risk items to any third party. As a result, you will only need cover of around £1 million.

Contracts and clients

Some clients or contracts will specify how much cover your business will need if you were to carry out the work. Additionally, local councils and government work often require a minimum coverage of £5 million from their suppliers.

This type of coverage is often non-negotiable. So, if you want the job, you’ll need to ensure that you’re adequately covered.

Associations and trade bodies

Certain associations and trade bodies require you to have a specific amount of public liability insurance cover to practice.

This information should be checked under your membership details before you take out any policy.

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How Much Does Public Liability Insurance Cost

On average, small businesses in the UK can expect to pay around £14.30 monthly or £118 annually for public liability insurance. However, the cost of this insurance can vary between £50 to £500+ annually, depending on your type of business.

If you take into consideration the average cost of an insurance claim of £13,500, this is really a small price to pay to secure your company’s financial health.

The amount you pay for public liability insurance depends on several factors, including:


Trade or profession

Some trades carry a higher risk of third-party injury or damage. Trades that use a lot of equipment or dangerous machinery are likely to cause more harm to the public, making the business more expensive to insure.


Number of employees

The more staff you have, the bigger your business and the more likely accidents can occur. For these reasons, your premiums may be higher if you employ a lot of people.


Number of third-party visitors

If your business has lots of visitors, you are thought to be at a high risk of an accident occurring (remember, trip, slip and fall incidents occur daily in the UK!). So, the higher your premiums are likely to be.


Claims history

Insurance companies are more likely to class you as being as high risk if you have made business insurance claims in the past. If previous claims have been made, your premium is likely to be a lot higher than businesses that have never made a claim.


Business turnover

The larger the business, the higher the risks. Again, this means premiums are likely to be more expensive.


Health and safety record

Insurance companies are likely to view businesses with an up-to-date health insurance policy as low risk.

Similarly, if your health and safety have been scored below standard, you are more likely to experience higher premium rates.


Amount of excess

An excess on public liability insurance is the amount of money that the business must pay towards any claim before the insurance company will pay the rest.

Generally, higher excess will result in lower premiums; however, this means you’ll have to pay a higher amount when you make a claim.

How Can A Business Save Money On Public Liability Insurance?

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Frequently Asked Questions

What is public liability insurance?

Public liability insurance protects you and your business against any third-party claims that could be made in the event of an accident or injury.

It also covers property damage as the result of a product or service your business may have supplied. In such an event, compensation is often paid out to the claimant if the claim goes in their favour.

Public liability insurance covers this cost as well as any legal costs that could be incurred and money used to repair any damaged property.

Without liability insurance, your business would have to cover the legal and compensation costs, often out of pocket.

What are the limits of public liability insurance?

The limits of public liability insurance vary from policy to policy. However, they generally cover up to a certain amount of compensation for claims arising from negligence or injury caused by the business’s products or services.

Is public liability insurance tax deductible?

Yes, your public liability insurance premiums are tax deductible as it’s considered an allowable expense. So, the good news is you can deduct this business insurance when it’s time to calculate your taxable profit.