Public Liability Insurance Calculator
Our public liability insurance calculator estimates the annual premium for businesses and self-employed individuals who interact with customers, clients, or the public. Public liability (PL) insurance covers compensation claims made by third parties who suffer injury or property damage as a result of your business activities.
Public Liability Insurance Estimator
Estimate your Public Liability Insurance premium. Covers claims from members of the public injured or whose property is damaged due to your business activities.
Who Needs Public Liability Insurance?
Any business with contact with the public needs public liability insurance. This includes tradespeople working in clients’ homes, retailers and hospitality businesses, market stall holders, event organisers, consultants visiting client offices, and sports coaches. PL insurance is not legally required (unlike employers liability) but is contractually required by many commercial clients, local authorities, and venue hire agreements. Standard cover levels are £1 million, £2 million, or £5 million per claim — most commercial contracts and local authority agreements require £5 million as a minimum. For employers who also need employers liability insurance, see our Employer Liability Calculator for the combined cost estimate.
Frequently Asked Questions
No — product liability is a separate cover for claims arising from goods you manufacture, supply, or sell causing injury or damage. It is typically sold alongside PL as part of a combined policy.
Yes, if you have any contact with clients, customers, or the public. A self-employed plumber, consultant, or personal trainer is fully personally liable — including personal assets — for any third-party injury or damage caused without insurance.
No — PL covers physical injury and property damage. Professional indemnity (PI) covers financial loss caused to a client by negligent advice or professional error. Many professionals need both.
PL policies typically have a voluntary excess of £250–£1,000 per claim. Higher voluntary excesses reduce premiums — useful for established businesses with strong safety records.
Yes — PL covers your activities wherever they take place, including at client premises, public venues, and events. The cover follows you, not your business address.
Enter the type of business and the cover level required. Public liability insurance covers injury or property damage caused to third parties — customers, visitors, or members of the public — arising from your business activities. It is not legally required (unlike employers’ liability) but is widely expected by clients, venues, and contractors as a condition of engagement. Cover levels typically range from £1 million to £10 million; some contracts specify a minimum level. The premium depends on business turnover, number of employees, and the nature of activities — high public-contact businesses such as retailers and tradespeople pay more than office-based businesses with limited public interaction. Professional indemnity covers advice and service failures rather than physical injury or property damage — different products for different risks.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.