How much does public liability insurance cost?
Cover level | What it means |
|---|---|
£1 million | The insurer would pay up to £1 million in total for a claim involving injury to a member of the public or damage to their property. This is often suitable for freelancers and lower-risk businesses. |
£2 million | Provides additional financial protection for businesses that regularly interact with clients or the public. |
£5 million | Often required for larger contracts, public events, or work with local authorities and larger organisations. |
Cover level | This may suit your business if: |
|---|---|
£1 million | You work mostly online or from home, interact with the public only occasionally, and typically take on smaller projects or individual clients. |
£2 million | You regularly work on client premises, run in-person sessions with customers, or operate in environments where members of the public are present. |
£5 million | You work at public venues, events, or construction sites, or you want to qualify for contracts with larger companies or public sector organisations that require higher cover. |