How much you pay for public liability insurance cover is dependent on the size and type of your business, your claims history, and the level of risk your business undertakes. Before you buy your policy, assess what level of cover is right for your business and its unique needs. Quotes from Hiscox start from just £55 a year (based on policies from at least 10% of our customers) and some policies can go on to include up to £10 million of cover.  

There are several factors that can have an impact on the public liability insurance price offered by insurers. When calculating premiums, insurers will predict how likely you are to make a claim, and how much they believe that claim would cost.

Insurers may also use the following information about your business to calculate your premium:

  • The size of your business
  • The location of your business
  • The industry you work in
  • The type and nature of your business
  • Your business turnover
  • Your health and safety record
  • The level of public liability insurance cover you’ve chosen
  • What you’ve chosen to include or exclude within your insurance policy

To give you an example, your public liability insurance cost may be higher if your business has a high turnover, if you use a lot of equipment or dangerous machinery, or if your business premises experiences a high volume of visits from members of the public.

In some cases, you may also find clients expect you to have a minimum level of cover, according to your area or industry. This is often the case for businesses working with the public sector where the minimum requirement is usually between £5-10 million.

The easiest way to calculate the price of public liability for your business is to run a quote online. Hiscox offers a standalone policy or a business insurance package for more comprehensive protection.

Get your public liability insurance quote online in minutes. 

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  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts