Public Liability Costs UK – What You Need to Know

If a member of the public is injured or their property is damaged because of your business, you could be sued for negligence.

You need public liability cover to protect you against these types of claims, which can cost thousands or even millions of pounds.

How much public liability insurance you need will depend on how your business interacts with the public, as well as where you work. It can also be affected by your turnover.


If you have a business that deals with the public, it is vital to purchase a policy of public liability insurance. It protects you against claims for injuries or property damage caused by your negligence. It can also cover legal fees and compensation costs if someone makes a claim against you.

Whether or not your business needs public liability insurance depends on several factors, including your industry and the level of risk that you pose to the general public. You can find out the level of cover that you need by contacting a specialist provider.

Most public liability policies come with a minimum limit of PS1 million. You can then add on additional amounts of coverage for a small fee. Typically, these policies cost around PS5 per million of cover.

You can find out how much it will cost to insure your business by comparing quotes. This is done by taking into account the size of your business, how risky your work is and how many clients you have. You can also get a quote based on your previous claims history, which can help you lower your premium.

Another factor that affects your public liability costs UK is the type of work you do. For example, manual labourers often pay higher premiums than clerical workers because they are more likely to cause injury and damage to third parties.

If you run a construction business, you may be required to have a public liability policy. It is important to have this cover because it could save your business a lot of money in the long run.

The cover can also be extended to include product liability, which covers the legal costs and compensation that you may have to pay if a customer has a negative experience with one of your products. This can be particularly important for companies in the construction industry, as they often install products that can cause problems for clients.

Public liability is an essential piece of cover for any business that deals with the public, so it is a good idea to buy it as soon as you set up your business. Without it, you could face millions of pounds in damages and legal fees if you are sued for an accident that occurred on your premises.


Public liability costs UK cover is designed to pay the legal fees and compensation if your business causes injury, property damage or death to someone else. Often, these claims are expensive and your business could lose money if you don’t have this cover in place.

The cost of your policy will depend on a number of factors, including the amount of cover you need and where you work. For example, if you run a restaurant or bar, this can make your public liability insurance more expensive than a company that works completely online.

Similarly, the level of risk you face is also important when it comes to assessing your premiums. Businesses in high-risk industries – such as construction – may need higher limits of cover than those working in less dangerous environments.

Excess Cover provides extra cover over that offered by your core (primary) public and products liability policy. These policies have been around for over 50 years but a tougher insurance market and a hardening attitude amongst insurers towards risk are making them more appealing than ever.

Insurers who are prepared to offer Excess Liability Cover typically give limits of indemnity much higher than that offered by most primary policies. It can be used by businesses that need to increase their limits of indemnity, such as in the wake of Ogden Rate or contractual obligations.

A typical excess policy can have a separate excess for certain types of claim, such as bodily injury and property damage, or the policy can have one excess that applies to all claims. You can find out about your excess when you get quotes for your public liability cover.

You can get a quote for public liability costs UK by answering a few questions about your business. Then our search engine will connect you with a panel of insurers that can help you find a policy that suits your needs. Using this service could save you time and money by giving you a range of quotes quickly and easily.


Public liability costs UK can vary, depending on a number of factors. The type of business you run, your industry and your line of work all influence how much insurance cover you need. For example, a cleaner will typically have cheaper rates than an event organiser, builder or DJ. The size of the company you run can also impact your policy cost. A limited company with 2 directors, for example, can usually cost more than a one-director company.

A high turnover can also make a difference to your cover. For example, if you have more clients or deal with more valuable property than a smaller business, you may need to set a higher limit.

The limits of public liability costs UK are an important consideration for businesses, as they can help protect against costly compensation claims. These claims can include claims involving injuries or damage to a person or property, and they could result in large awards of money.

Some trades and occupations have a statutory requirement to carry a certain level of public liability cover in order to be recognised by governing bodies. This limit is often PS2m, but other limits can be chosen depending on your circumstances.

Choosing the right limit is an important part of any public liability policy, and it’s worth discussing it with a specialist broker to get more expert advice. With court awards rising in the UK, you should consider increasing your limits to protect against these claims. You can do this by buying an excess-of-loss policy, which will add extra protection to your public liability cover. These can be as simple as adding another £1,000 to your policy or as complex as setting up a separate, more comprehensive excess.

Legal fees

Legal fees are an inevitable part of running a business, and while you can’t avoid them, you can ensure you’re covered by taking out insurance. This will cover you for the cost of any court cases you are involved in and also the compensation awarded if you lose the case.

One of the most common claims is for an accident that happened on your premises, causing injury to a member of the public. Typically, these claims run into tens of thousands of pounds. This can make a significant impact on your small business’ finances and could even force you to close down.

A good public liability insurance policy will protect you from the risk of a claim being made against you. Depending on the type of cover you choose, you’ll be protected from claims for injuries, damage to third party property and other incidents that could impact the work you do.

The amount of cover you need will depend on your industry, the number of employees, the structure of your company and where you’re located. It can be expensive for a large company to insure against public liability claims, but it’s cheaper for smaller businesses with just a few staff members.

A good public liability insurance policy will cover you for the cost of any court case you are involved in and also the compensation awarded, if you lose the case. Usually, these are paid by the other party’s insurer, but there are certain conditions to ensure you get your money’s worth.

Related Articles

Leave a Reply

Your email address will not be published.

Back to top button