Best Public Liability Insurance Providers in the UK
Non-sponsored, Expert Verified and Transparently Ranked Public Liability Insurance Providers in the UK
Published: December 18, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Public liability insurance by Hiscox scored highest due to Feefo Platinum Service Award winner with 4.7/5 rating and focus on small business specialist policies..
Content Verification
Side-by-Side Comparison
| Feature | #1 Public liability insurance (Hiscox) | #2 Business Insurance (Markel) | #3 Business insurance (Simply Business) | #4 Business Insurance Comparison (Confused.com) | #5 Insurance Comparison Service (MoneySuperMarket) |
|---|---|---|---|---|---|
| Best For | Feefo Platinum Service Award winner with 4.7/5 rating and focus on small business specialist policies. | Competitive entry-level pricing at £5/month for small business public liability protection. | Largest UK broker specializing in trades with competitive pricing; 10% of customers pay £5.41 or less monthly for £2 million cover. | Direct quotes from leading providers like Simply Business, emphasizing transparency and broad business support. | Comparison platform searching wide range of insurers for best deals; Feefo Platinum Trusted Service Award recipient. |
| Coverage Limits | Select public liability limits from £1m up to £10m. (hiscox.co.uk) Product liability is included as standard and shares the selected limit (also up to £10m). (hiscox.co.uk) | Public liability: £1m, £5m; Employers’ liability: £10m; Professional indemnity: £50k, £5m; Legal expenses: up to £100k per claim (aggregate £1m per policy period). (markeluk.com) | Public liability: £1m, £10m; Product liability: £1m, £10m; Employers’ liability: £10m as standard; Professional indemnity: £50k, £5m. (simplybusiness.co.uk) | Public liability cover limits available: £1 million to £10 million. (confused.com) Employers’ liability minimum: £5 million (by law). (confused.com) | Public liability: £1m, £2m, £5m or £10m. (moneysupermarket.com) Employers’ liability: legal minimum £5m; quotes typically up to £10m. (moneysupermarket.com) Professional indemnity: £1m, £5m options. (moneysupermarket.com) Tool insurance: up to £20, 000. (moneysupermarket.com) |
| Pricing Competitiveness | Starts from £5.30/month for public liability; some businesses from £55/year. (hiscox.co.uk) Monthly direct debit is interest-free and annual DD 0% APR; no admin fees for amendments. (hiscox.co.uk) Cancel any time with no cancellation fee, pay only for time on cover. (hiscox.co.uk) Competitive for small UK businesses seeking low entry premiums. | Strong value: public liability from £5/month for £1m cover; employers’ liability from £5/month; PI from £8/month. Option for 10 interest‑free monthly instalments and no hidden or cancellation fees. (markeluk.com) (markeluk.com) (markeluk.com) (markeluk.com) | Public liability cover from £5.64/month (10% of customers). (simplybusiness.co.uk) They compare quotes from leading insurers for competitive rates. (simplybusiness.co.uk) Example quotes: domestic cleaner £14.64/month; barber £16.10/month (29/01/2025). (simplybusiness.co.uk) Prices guaranteed for 30 days; costs vary by trade and cover. (simplybusiness.co.uk) | Free-to-use, impartial comparison powered by FCA‑authorised partner Simply Business; compares quotes from a range of trusted providers and doesn’t charge users, helping find the right cover at the right price. Public liability quotes span £1m, £10m cover, enabling benchmarking for competitive premiums. (confused.com) | Compares quotes via Simply Business; 10% paid £5.41/month for up to £2m public liability (Aug, Oct 2025), and 51% paid £80.76 or less annually. (moneysupermarket.com) Business insurance isn’t eligible for MoneySuperMarket’s Price Promise or SuperSaveClub. (moneysupermarket.com) Results are shown only from partner providers. (moneysupermarket.com) |
| Customer Support Quality | Hiscox support is well-rated: Trustpilot 4.6/5 (1, 580+ UK reviews; replies to 100% of negative reviews). (uk.trustpilot.com) Feefo 4.7/5 over the past year. (feefo.com) Claims support includes 24/7 emergency and legal helplines, online claims submission, and a dedicated handler who contacts within 48 hours. (hiscox.co.uk) | Phone support Mon, Fri 08:30, 17:30 (0800 640 6600), plus online request form and email. (markeluk.com) In-house claims handlers manage cases; report via phone 08:30, 17:30 or email after-hours. (markeluk.com) 24/7 legal advice helpline included with all policies; Business Hub resources provided. (markeluk.com) Claims progress can be tracked online via My Area. (markeluk.com) | UK-based phone support with weekday/Saturday hours, plus 24/7 claims line and 24/7 digital assistant. (help.simplybusiness.co.uk) Trustpilot (UK): 4.2/5 from ~6.6k reviews; replies to ~99% of negative reviews within ~1 week. (uk.trustpilot.com) FCA H1 2025: 1.75 complaints/1, 000 policies; 16% closed <3 days, 84% within 8 weeks. (simplybusiness.co.uk) | Confused.com offers support via contact form, email and WhatsApp; complaints via complaints@confused.com. (confused.com) For business insurance, partner Simply Business provides UK-based phone support Mon, Fri 9:00, 17:30 (Thu from 9:30), Sat 9:00, 14:00, plus a 24/7 claims line. (confused.com) Trustpilot score: 4.3/5; some reviews cite unhelpful rewards support. (trustpilot.com) | 24/7 AI chat (“Fin”); human support Mon, Fri 9:00, 17:30 UK; target reply within 2 business days; no inbound call centre, callback available. (support.moneysupermarket.com) Complaints acknowledged in 5 working days, aim to resolve in 8 weeks; FOS escalation. (support.moneysupermarket.com) Trustpilot: 4.8/5 (44k+), replies to 97% of negatives, typical 48‑hour reply. (trustpilot.com) |
HiscoxCompany Information
Hiscox is a leading specialist insurer that provides tailored insurance solutions to businesses and individuals in the UK. With over 100 years of experience, they offer a range of commercial and personal lines risks, including public liability, professional indemnity, and home insurance.
Keywords
Description
At Hiscox, we offer tailored insurance solutions to help you across all areas of your life, from business to home. With over 100 years of industry experience and the expertise of our brokers, we’ve fine-tuned our insurance products to provide essential cover when things don’t go exactly to plan. Our specialized covers include public liability and professional indemnity cover for businesses, as well as home insurance for personal protection.
What They Do
Hiscox provides insurance products for businesses and individuals, including tailored solutions for specific industries and personal needs.
Who They Serve
Hiscox serves businesses of all sizes, property owners, landlords, and individuals seeking home insurance.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Hiscox offers public liability insurance for small UK businesses, with specialist coverage starting from £5.30 monthly up to £10 million limits. It protects against third-party injury or damage claims arising from business activities. Serves over 480, 000 UK businesses with high customer satisfaction.
Key Features
- Covers injury or illness to members of the public caused by your business
- Covers damage to third-party property
- Includes claims relating to products supplied, distributed, modified, or sold
- Covers claims for trespass, nuisance, false arrest, or eviction
- Covers representation at official investigations and proceedings (with prior agreement)
- Compensation for court attendance as a witness (up to £10, 000)
- Available for multiple spaces and trades
- Short-period/event cover available
Key Benefits
- Flexible cover starting from £5.30 per month
- Award-winning customer service (Feefo Platinum Service Award 2025, 4.7/5 rating)
- Covers you at your premises, clients’ premises, or when working from home
- Tailored to your trade or profession
- Products liability cover normally included
- Legal defence costs and compensation covered
- Representation at official investigations, inquiries, or proceedings (with prior agreement)
- Up to £10,000 compensation for court attendance as a witness
- Quick online quote in 5 minutes
Who Is It For
- Freelancers
- Sole traders
- Small businesses
- Start-ups
- Tradespeople (e.g. electricians, plumbers, carpenters, painters and decorators)
- Cleaners
- Retailers and shop owners
- Event organisers (short-period/event cover available)
- Any business or self-employed person working with or around members of the public
Use Cases
- A visitor trips and falls at your business premises and makes a claim
- You damage a client’s property while working off-site
- A product you supplied causes injury or damage
- A member of the public is injured by your tools or equipment
- You are required to attend court as a witness in connection with a claim
Public liability insurance
Get public liability insurance from £5.30 per month. If you run a business, people can take you to court to claim for injury or damage to their property. This insurance can guard against such claims.
Why choose Hiscox for your public liability insurance?
Flexible cover from £5.30 a month. Award-winning service. Cover for multiple spaces and trades.
- Flexible cover from £5.30 a month
- Award-winning service (Feefo Platinum Service Award 2025, 4.7/5 rating)
- Cover for multiple spaces and trades
What is public liability insurance?
Public liability is a type of business insurance designed to cover compensation and legal defence costs. If a member of the public claims they have been injured because of your work, public liability cover can help. The same applies if they claim their property was damaged as a result of your activities.
What's included in your public liability cover?
Public liability insurance covers a wide range of unexpected events. Choosing the right insurance can help you plan for key risks.
- Someone is injured or becomes ill and blames you, your employees, or your business activities.
- There’s damage to a member of the public’s property because of your business.
- A courier leaves a building you own in a hurry and slips on the stairs.
- One of your employees causes damage to property at an off-site meeting.
- A third party makes a claim relating to trespass, nuisance, false arrest, or eviction.
- You require representation at any official investigation, inquiry, disciplinary, or criminal proceeding, provided you seek our prior agreement to cover any costs.
- You, your directors, or employees are required to attend court as a witness in connection with a claim. You can receive up to £10,000 in compensation.
What does public liability insurance not cover?
Public liability insurance does not cover: injury to your employees or damage to your own property, costs related to recalling or repairing products, losses dependent on contractual terms, claims related to cyber attacks, professional advice, asbestos, or deliberate acts.
- Injury to your employees or damage to your own property
- Costs related to recalling, removing, repairing, reconditioning, or replacing a product you supplied
- Losses dependent on contractual terms
- Claims related to cyber attack or computer virus transmission
- Professional advice you provide
- Asbestos-related claims
- Deliberate or reckless acts
Do I need public liability insurance?
Not usually a legal requirement in the UK, but important if you work around members of the public. May be required by clients as a contract condition.
Public liability insurance for your profession
Public liability insurance can be tailored to your trade or profession, including electricians, cleaners, plumbers, carpenters, shops, and painters/decorators.
- Electricians
- Cleaners
- Plumbers
- Carpenters
- Shops
- Painters and decorators
How much public liability cover will I need?
The value of cover needed depends on the potential costs of claims. Higher-risk fields may require up to £10 million in cover. One-day/event cover is available.
What other insurance can I get to protect my business?
You can build your cover to include employers' liability, professional indemnity, equipment breakdown, portable equipment, and cyber and data insurance.
- Employers' liability insurance
- Professional indemnity insurance
- Equipment breakdown insurance
- Portable equipment insurance
- Cyber and data insurance
Public liability FAQs
Answers to common questions about public liability insurance, including when to get it, cost, payment options, real-life claims, tax deductibility, and self-employed requirements.
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Pricing Competitiveness
Customer Support Quality
MarkelCompany Information
Markel Direct is a specialist online insurer providing cover for contractors, small businesses, self-employed freelancers and tradespeople, as well as small charities, local community groups and clubs and societies.
Keywords
Description
Markel Direct are a specialist online insurer providing cover for contractors, small businesses, self-employed freelancers and tradespeople, as well as small charities, local community groups and clubs and societies.
What They Do
Specialist insurance and support services for various professions including contractors, small businesses, tradespeople, and charities.
Who They Serve
Contractors, small businesses, self-employed freelancers, tradespeople, charities, local community groups, and clubs and societies.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Markel provides public liability insurance for UK businesses starting from £5 monthly, covering legal costs and compensation for public injury or property damage. Suitable for various sectors including trades and services. Offers flexible cover levels based on business risk.
Key Features
- Customisable cover for over 200 professions
- Cover available from £5 a month
- Limits ranging from £1 million to £5 million
- Option to pay in 10 interest-free monthly instalments
- Covers a wide range of business needs and eventualities
Key Benefits
- Fast, easy online quote in 90 seconds
- 24/7 legal advice helpline staffed by qualified solicitors
- No hidden fees or cancellation charges
- Fee dispute service for unpaid invoices
- Cyber response helpline for IT security breaches
- Discounted IR35 contract reviews
- PR crisis management via The Counsel House
- Access to legal templates and resources via the Markel Business Hub
- Highly rated customer service (4.8/5 from 351 Google reviews, Feefo platinum trusted award)
- Over 25 years’ experience insuring small businesses
- Interest-free monthly payment options
Who Is It For
- Small business owners
- Freelancers
- Contractors
- Consultants
- Self-employed professionals
- Limited companies
- Sole traders
- Startups
- Businesses with employees
- Businesses working from home
- Businesses undertaking some work for overseas clients (subject to underwriting)
Small business insurance
Specialist insurance tailored to your small business from £5 a month. Fast, easy online quote in 90 seconds. 24hr legal advice helpline included. No hidden fees or cancellation charges.
- Fast, easy online quote in 90 seconds
- 24hr legal advice helpline included
- No hidden fees or cancellation charges
What is business insurance?
Business insurance covers you from unexpected losses you might suffer in the course of your normal business activities. There are many different types of financial cover available under the umbrella of business insurance protection.
- Employers’ liability protection
- Business indemnity insurance
- Home business insurance
- Self-employed business insurance
- Sole trader business insurance
- Online business insurance
Who needs Business Insurance?
Business owners, freelancers, consultants, and contractors face risks that could result in legal action and financial losses. Business insurance protects you and your employees while your company recovers from setbacks.
- Mistakes causing client financial loss
- Visitor injuries at workplace
- Employee injuries
- Theft of important items
Why choose Markel Direct for small business insurance?
Markel Direct offers 24/7 legal advice, quick quotes, positive customer reviews, no hidden fees, and over 25 years’ experience. Additional benefits include fee dispute service, cyber response helpline, discounted IR35 contract reviews, PR crisis management, and access to legal templates.
- 24/7 legal advice helpline
- Quick online quotes
- Positive customer reviews
- No hidden fees
- 25 years’ experience
- Fee dispute service
- Cyber response helpline
- Discounted IR35 contract reviews
- PR crisis management
- Legal templates and resources
What small business insurance do I need?
Markel Direct offers a range of business insurance products including professional indemnity, public and product liability, employers' liability, legal expenses, directors and officers, office, and cyber insurance.
- Professional indemnity insurance
- Public and product liability insurance
- Employers' liability insurance
- Legal expenses insurance
- Directors and officers insurance
- Office insurance
- Cyber and data risks insurance
Frequently asked questions
Answers to common questions about legal requirements, eligibility, working from home, cover limits, overseas work, and regulatory status.
- Is business insurance a legal requirement?
- Can I get insured before I register my business?
- Can I still be insured if I have had a CCJ/IVA?
- Do I still need small business insurance if I work from home?
- Can I run a business without business insurance?
- What limit of cover should I choose?
- My business undertakes work with clients outside the UK - can you provide cover for it?
- How are Markel Direct regulated?
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Pricing Competitiveness
Customer Support Quality
Simply BusinessCompany Information
Simply Business is one of the UK's largest business insurance providers, offering fast and flexible cover for small businesses and landlords. They provide a range of insurance products, including public liability, professional indemnity, and employers' liability insurance, as well as landlord insurance and van insurance.
Keywords
Description
Simply Business is one of the UK's biggest business insurance providers, specializing in a variety of cover options tailored for small businesses and landlords, providing them with tailored quotes quickly and easily.
What They Do
Provide business and landlord insurance, allowing customers to compare quotes and obtain tailored coverage.
Who They Serve
Small business owners and landlords in the UK.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
Simply Business provides public liability insurance quotes for UK businesses, protecting against claims for injury or property damage to third parties. They serve sole traders to large operations with tailored cover levels from £1 million upwards. Regulated by the Financial Conduct Authority, they have helped over 3 million businesses since 2005.
Key Features
- Public liability insurance (from £1 million to £5 million)
- Employers’ liability insurance (£10 million as standard, required by law if you have employees)
- Professional indemnity insurance (£50, 000 to £5 million)
- Product liability insurance
- Tool insurance
- Stock insurance
- Business and office equipment insurance
- Personal accident insurance
- Commercial property/buildings insurance
- Business contents insurance
- Legal expenses insurance
- Contract works cover
- Ability to add cover for multiple trades/professions
Key Benefits
- Compare quotes from leading insurers
- Tailored cover for your business needs
- Buy online or over the phone in minutes
- Receive policy documents the same day
- UK-based expert support
- 24/7 claims service
- Flexible policies – only pay for what you need
- Can cover multiple trades under one policy
- Credibility and professionalism for your business
- May help win contracts where insurance is required
Who Is It For
- Small businesses
- Self-employed individuals
- Sole traders
- Limited companies
- Businesses with employees
- Businesses interacting with the public
- Businesses providing professional services
- Over 1,500 trades including builders, cleaners, couriers, contractors, office-based businesses, online retailers, security guards
What is business insurance?
Business insurance combines cover for risks such as third party injury, business claims, and specific trade/equipment insurance. It provides peace of mind and is trusted by nearly a million small UK businesses.
- Compare business insurance quotes from trusted brands
- Flexible, tailored cover
- Peace of mind for business owners
What does small business insurance cover?
Covers a variety of risks including public liability, employers’ liability, and professional indemnity. Additional covers can be added for specific needs.
- Public liability insurance: protects if someone is injured or property is damaged due to your business
- Employers’ liability insurance: covers claims from employees injured or made ill by their work
- Professional indemnity insurance: covers claims for financial loss due to faulty advice
How much does business insurance cost?
Premiums depend on your business type, cover levels, and risk factors. Prices start from £5.64/month. Example quotes provided for different business types.
- Prices start from £5.64 per month
- Tailored quotes in 7 minutes
- Prices guaranteed for 30 days
How it works
Pick your cover, compare prices, buy online, and get documents the same day.
- Pick what goes into your policy
- Get prices from a range of insurers
- Buy online in minutes
Who needs business insurance?
Important for all types of businesses, especially those with staff, public interaction, or providing professional services. Over 1,500 trades covered.
- Builders, cleaners, couriers, contractors, office-based businesses, online retailers, security guards, self-employed, sole traders
- Can cover multiple trades under one policy
Your business insurance policy
Build your policy from a range of covers to suit your needs. Public liability and employers’ liability are key covers.
- Answer all questions accurately
- Choose a high enough level of cover
- Tailor your policy to your business
Benefits of business insurance (beyond protection)
Helps position your business as credible and professional, and may help win contracts.
- £68 million in claims paid out in 2024
- 76% of claims settled in 2024
What is the insurance claims process?
Contact claims partner, provide details, review claim, track progress, receive decision.
- Contact claims partner online or by phone
- Dedicated claims handler
- Track progress online
Business insurance FAQs
Answers to common questions about business insurance, legal requirements, cover levels, and more.
- What is business insurance for?
- Is business insurance a legal requirement?
- How much business insurance do I need?
- Can I get business insurance before registering my business?
- Can I get business insurance without a trade licence?
- What kind of excess should I expect?
- Does business insurance cover me for theft?
- Can I add cover for a different trade or profession?
- Is business insurance tax-deductible?
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Pricing Competitiveness
Customer Support Quality
Confused.comCompany Information
Description
Confused.com is a price comparison website that allows consumers to compare insurance, energy, finance, and other services to find the best deals. They aim to help customers save money by providing quotes from various providers in an efficient manner.
What They Do
Provide a platform for comparing insurance and various financial products to help users find the best prices.
Who They Serve
Consumers in the UK looking to save money on insurance and financial products.
Key Value Propositions
Target Customers
Industries Served
Summary
Confused.com offers public liability insurance comparison for UK businesses via partners like Simply Business, covering injury, death, or damage claims. Quotes tailored for sole traders to multi-site operations with FCA-regulated providers. Focuses on affordable, right-fit cover.
Key Features
- Personalised business insurance quotes
- Comparison of multiple insurance providers
- Ability to tailor cover to business needs
- Option to add extra cover (e.g., tool insurance, business equipment insurance, personal accident insurance)
- Guidance and support throughout the process
- Free service with impartial and independent comparison
Key Benefits
- Protects against financial losses from unforeseen circumstances
- Covers legal fees, compensation claims, and medical expenses
- Helps meet legal and regulatory requirements
- Builds trust with customers and employees
- Can be tailored to specific business needs
- Supports business continuity and growth
- Peace of mind for business owners
Who Is It For
- Sole traders
- Start-ups
- Longstanding businesses
- Small and medium enterprises (SMEs)
- Service providers (e.g., hairdressers, plumbers, window cleaners)
- Shop owners
- Tradespeople
- Digital professionals (e.g., software engineers, marketing consultants, investment advisors)
- Self-employed individuals
- Businesses with employees
- Businesses working from home
Get your personalised business insurance quote today
Fill in your business’ details, find the cover you need in minutes, and choose the right quote for you.
- Fill in your business’ details
- Find the cover you need in minutes
- Choose the right quote for you
What is business insurance?
Business insurance helps protect businesses from potential losses due to unforeseen circumstances such as property damage, operational hazards, business interruption, or employee sickness. It minimises risks and provides peace of mind by covering costs like legal fees or compensation claims.
How can we help?
Confused.com, in partnership with Simply Business, provides tailored business insurance quotes for sole traders, start-ups, and established businesses, helping safeguard against unexpected events.
What business insurance cover can I get?
Various types of business insurance are available, including employers' liability, public liability, professional indemnity, self-employed, and start-up insurance.
- Employers' liability insurance
- Public liability insurance
- Professional indemnity insurance
- Self-employed insurance
- Start up insurance
What else can business insurance cover?
Optional extras can be added to your policy, such as tool insurance, business equipment insurance, and personal accident insurance.
- Tool insurance
- Business equipment insurance
- Personal accident insurance
Is business insurance a legal requirement?
Employers’ liability insurance is legally required for most businesses with employees. Other types may be required by regulators or contracts.
- Helps if you’re sued
- May be required by regulators or trade bodies
- Contracts might ask for it
- Gives peace of mind
How could insurance benefit my business?
Business insurance can help cover costs from claims and protect against business interruptions, equipment loss, and more. Examples are provided for service providers, shop owners, tradespeople, and digital professionals.
- Service providers: covers claims from public interactions
- Shop owners: covers slips, trips, and employee/customer injuries
- Tradesperson: covers accidents, tool/equipment loss
- Digital professionals: covers claims for financial harm or negligence
How much does business insurance cost?
Cost depends on business type, size, nature, location, and required cover. Personalised quotes ensure appropriate coverage.
Who's Simply Business?
Simply Business is a leading UK business insurance provider, authorised and regulated by the Financial Conduct Authority, and partners with Confused.com to provide tailored quotes.
Need more help with business insurance?
FAQs cover working from home, getting insurance before registering a business, legal requirements, tax deductibility, and claims support.
- Business insurance can protect home workers against negligence, injury, and employee claims
- Insurance available before business registration
- Employers’ liability insurance is mandatory for most employers
- Business insurance is generally tax deductible
- Insurers provide claims support
Resources
Detailed Comparison
Coverage Limits
Pricing Competitiveness
Customer Support Quality
Insurance Comparison Service
MoneySuperMarketCompany Information
Description
MoneySuperMarket is a leading price comparison website in the UK that helps users save on various services, including insurance, energy, and broadband. They offer a variety of products and tools to compare prices and find better deals.
What They Do
They provide a platform for users to compare prices on a variety of financial products, including insurance, loans, and utilities.
Who They Serve
Individuals in the UK looking to save money on various bills and services.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
MoneySuperMarket compares public liability insurance quotes from multiple UK providers, including Simply Business, for businesses facing third-party claims. Cover ranges from £1-10 million+ depending on risk, with premiums from under £5/month. Helps find deals suited to business size and public interaction.
Key Features
- Online comparison of multiple insurance providers
- Coverage for a broad range of insurance products (car, home, travel, life, pet, health, income protection, business, and more)
- Specialized insurance types (e.g., black box, gap, multi-car, short-term, over 50s, critical illness, etc.)
- Guides and expert tips for saving money and understanding insurance
- Access to insurance provider information and customer reviews
- Mobile app availability for on-the-go access
Key Benefits
- Compare insurance providers from across the market
- Access to tips and expert guidance to help find the best deal
- Get brand new quotes in minutes
- Potential to save significant amounts on insurance (e.g., up to £514 on car insurance, £193 on home insurance, £207 on pet insurance)
- Wide range of insurance types and subtypes covered
- User-friendly online quote process
Who Is It For
- Individuals seeking car, home, travel, life, pet, health, or income protection insurance
- Homeowners and renters
- Pet owners
- Drivers (including young, new, learner, convicted, and non-UK residents)
- Travelers (including those with pre-existing medical conditions, families, over 70s, business travelers)
- Landlords and tenants
- Students
- Business owners seeking business insurance
Compare quotes for all your insurance needs
Compare insurance providers from across the market. Tips and expert guidance to help you find the best deal. Get brand new quotes in minutes.
- Compare insurance providers from across the market
- Tips and expert guidance to help you find the best deal
- Get brand new quotes in minutes
This month’s top insurance deals
Highlighting top deals for home, pet, and car insurance with potential savings and direct links to start a quote.
- Super Save up to £193 on your home insurance
- Super Save up to £207 on your pet insurance
- Super save up to £514 on your car insurance
Insurance explained
Find out more about essential insurance policies, including what home insurance covers, tips for reducing car insurance costs, and when to buy travel insurance.
- What does home insurance cover?
- How to bring down the cost of your car insurance
- When should I buy travel insurance?
Compare all of our insurance products
Comprehensive list of insurance types available for comparison, including motoring, home & business, lifestyle cover, and guides.
- Motoring: Car, Young Drivers, Black Box, Gap, Cosmetic, Short Term, Multi-Car, Motorbike, Van, Taxi, Caravan, Motorhome, Breakdown, Warranty, Excess, Leasing
- Home & Business: Home, Contents, Buildings, Renters, Student, Bicycle, Jewellery, Non-Standard, Holiday Home, Mortgage Protection, Appliance Warranty, Landlord, Business, Public Liability, Indemnity
- Lifestyle Cover: Life, Critical Illness, Over 50s, Health, Funeral, Travel, Medical Travel, Annual, Single Trip, Boat, Pet, Multi Pet, Horse, Rabbit, Gadget, Wedding, Payment Protection, Income Protection, ASU
- Guides & Other Services: Insurance guides, provider information, help centre, news, insurance experts
Resources
Supporting Resources
Detailed Comparison
Coverage Limits
Pricing Competitiveness
Customer Support Quality
Our Ranking Methodology
How we rank these offerings
We ranked these public liability insurance companies in the UK based on three key factors: Coverage Limits (40% weight), Pricing Competitiveness (35% weight), and Customer Support Quality (25% weight). Hiscox scored highest because of their flexible coverage options, competitive pricing, and excellent customer support ratings, making them particularly suitable for small UK businesses. Markel and Simply Business both offer strong pricing and customer service, but Markel's coverage flexibility gave them an edge. Confused.com and MoneySuperMarket, as comparison services, offer a range of options but lack the direct service quality and pricing transparency that the others provide.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs associated with public liability insurance for UK businesses?
- The cost of public liability insurance for UK businesses can vary significantly, with Markel offering cover from £5 monthly and Hiscox starting at £5.30 per month. Premiums depend on factors such as business size, sector, and risk level, and can range from under £5 to higher amounts for comprehensive coverage exceeding £10 million. Comparing quotes through platforms like MoneySuperMarket and Confused.com can help businesses ensure they find competitively priced options tailored to their needs.
- What key criteria should businesses consider when selecting public liability insurance?
- Businesses should evaluate coverage levels, starting from £1 million to over £10 million, depending on the potential risk and third-party interactions typical of their operations. Companies like Simply Business and Hiscox offer tailored coverage, so it's crucial to match the insurance to the business's exposure to public claims. Additionally, opting for FCA-regulated providers ensures adherence to industry standards and legal compliance.
- Are there any compliance requirements for securing public liability insurance in the UK?
- While public liability insurance is not legally mandated for all businesses in the UK, it is often required by clients or contract conditions, particularly in higher-risk sectors such as trades. Companies like Simply Business and Markel offer coverage that aligns with these compliance needs. Being regulated by the Financial Conduct Authority (FCA), these providers ensure policies conform to industry regulations and standards, offering peace of mind and legal assurance.
- What challenges might businesses face when implementing public liability insurance?
- One challenge in implementing public liability insurance is accurately assessing the necessary coverage level to adequately protect against potential third-party claims. Businesses may also face the complexity of comparing various insurance options, but platforms like MoneySuperMarket and Confused.com simplify the process by aggregating quotes based on specific business requirements. By focusing on sector-specific needs and risks, these platforms aid in streamlining the selection and implementation process.
- How does public liability insurance deliver ROI and value for businesses?
- Public liability insurance provides significant ROI by safeguarding a business against substantial financial losses associated with third-party injury or property damage claims. Companies such as Hiscox and Markel offer coverage that includes legal fees and compensation costs, which can otherwise be financially crippling for small and medium enterprises. Furthermore, holding credible insurance enhances business reputation and trust, potentially attracting more clients and contracts.
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