Personal Liability Insurance
Join nearly a million customers like you – we offer public liability cover from £4.95*
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Get tailored Get tailored quotes in 7 minutes
10% of customers pay the equivalent of £4.95 a month*
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Rated 4.5/5
Based on 39.9K reviews
Claims paid in 24 hours
For 80% of settled claims
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 4.5/5 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.
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Public liability insurance
In case your business causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for you.
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Professional indemnity insurance
In case there’s a claim for loss-causing errors or issues with your work.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
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 – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example personal liability insurance quotes, real prices
£20.13 /month
£178.93 /year
A part time baker who owns a small bakery
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Manchester
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
Not included
£39.03 /month
£346.89 /year
A small and independent coffee shop located on a small village high street
- 5+ years’ experience
- Limited company
- 3 employees
- Based in Liverpool
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
Not included
How we work out example quotes These examples are real quotes from our online system (created 14/09/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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:
- Business legal protection insurance
- Contract works insurance
- Insurance for the self employed
- Limited company insurance
- Product liability insurance
- Professional liability insurance
- Sole trader insurance
- Tools insurance
When you run a quote you can select from a range of covers.
How it works
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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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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
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
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