Personal Liability Insurance

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What is personal liability insurance?

Personal liability insurance can cover compensation claims made against you if someone sues you for injury or damage to their property. This isn’t a very common type of insurance in the UK, but most businesses will have liability cover such as public liability insurance or employers’ liability insurance as a core part of their insurance policy.

  • public liability insurance for self-employed pros, from £1 million to £10 million
  • 24/7 UK-based claims support from an expert team
  • rated 4.6/5 based on 39.9K public liability customer reviews


What does personal liability insurance cover?

Personal liability insurance is designed to cover the cost of a claim made against you by a third party for property damage or bodily injury. For example if a neighbour claims you’re responsible for breaking their garden fence, a personal liability policy could cover the cost of damages or compensation. It’s uncommon for people in the UK to take out personal liability insurance on its own, although it’s sometimes included as an extra cover in insurance packages.

What type of business insurance do I need?

We’re a business insurance broker. This means we don’t offer personal liability insurance, as it only covers individuals. However, here’s an overview of some of the most popular covers businesses add to their insurance policies.


How much does business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example personal liability insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

Looking for something else?

Depending on your set-up, clients and business type, these expert covers might be helpful too:

When you run a quote you can select from a range of covers.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024


Personal liability insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about personal liability insurance.

You can also check out our business insurance FAQs.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions