Public Liability Insurance Calculator
Our public liability insurance calculator estimates PLI cost. PLI covers compensation if a member of the public is injured or their property is damaged because of your business. Many contracts require £2 million minimum cover.
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.
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.